credit card issues as usual

I downgraded my account with FNB I've been having way to Manny issues with logging queries that don't get resolved unless I escalate the matter. When I finally got my account downgraded after such a hassle, now I'm having new issues (nothing new) at this point I just want to close my account and move to a new bank. I received a new credit card after my downgrade but now I can't make payments to the account. After speaking to 3 people matter still not resolved . 1st assistant told me I needed to either upgrade my app or delete it then download it again , that was obviously not making any sense to me because all my other accounts work but my credit card . I down graded from a private clients account to an aspire account, the 2nd person I spoke to told me my credit card is not in the system it's deleted but I had a brand new card I received from fnb and on my banking app it clearly shows active . 3rd person I spoke to told me my account was suspended hence I couldn't use it because my account was in arease. and this was due to the fact that I can't make any transfers from my cheque account to my credit card I had to order a debit order to make payment. 3rd person I spoke to told me when payment is received my account would work and guess what payment received and I still can't transfer funds to my credit card but can Transfer funds out , makes no sense I'm so frustrated, looking at other banks . I can make tranfers across all accounts but can't transfer funds into credit card how am I supose to make payments or simply just transfer my funds Into the account. I've never had this issues so why now when I downgraded ??

oh and also just a tip for FNB the online chat option total waste they need to remove that whole option I'm sure I'm not the only one that can agree on the fact that no1 ever gets helped on there !