Deteriorating service on FNB credit card due to bad OTP delivery and bad new coding on apps

Increasingly I find my FNB credit card purchases and transactions subject to receiving an OTP by SMS. However, that OTP often never comes. Recently the OTP only came after nine attempts, too late to complete the transaction, and all nine OTP requests at once. This happened also at your bank machine where I could not continue a transaction without typing in the OTP, and it happened twice on Takealot too. I am very worried about not being able to use my credit card at a crucial time, I will make an important payment at a hotel book-in on 5 January 2024 on behalf of my whole family, and I am now very unsure of using my FNB card. Don't tell me it is my phone, I have no trouble receiving OTP's from Nedbank. Maybe I should move my credit card to Nedbank? I am not interested in using your app instead, I want to use my credit card reliably in person for transactions like I have been doing for the past 30 years. I am not interested in phone calls where I have to repeat everything I wrote here to a junior consultant and then you tell HelloPeter "it is resolved". I am only interested in an email by a senior banker informing me about your investigation of why I am not getting my OTP's nowadays for this card. My information is provided to you by HelloPeter, but in case you miss it, my email is janmconradie at gmail dot com (FNB already has my email address!) and my credit card number IS provided below by HelloPeter. Second complaint: I always used *codes on my phone to get my FNB card balance but now you unwillingly forced me to sign up for cell-phone banking to do that. Then my phone banking limits were limited without my permission and the options to fix that, do not work (I have a screenprint of the error). I am worried that this will effect my transaction limits at the hotel book-in desk on 5 January 2024. I did not ask for limits and now I cannot change it. This is bad new programming my FNB, your options to not work. Please confirm in writing that the new phone transaction limit will not affect me when I use my FNB card in person.