Credit Card with Zero funds

My husband app**** for a credit card with First National Bank telephonically and apart from having the usual hiccups the card is now complete he is quoted the amount available on the card and that the card will be sent to a branch or directly to him. He arranged for the card to be delivered to a branch which then took 2 and a half weeks as opposed to the 3- 5 days told to him. He goes to the branch collects the card goes to make a purchase and discovers there is no amount loaded on the card so rushes back to the bank to be told that Card Division only works Monday to Friday. So now has to arrange for time off work to sort out the problem.<br> I did not realize that banks hand out credit cards but do not load any amounts on to them.