FNB ACCOUNT PROBLEMS!

And so much my local branch have tried to help me (and I thank and appreciate them! I now have a healthy current account (along with a savers), which is also healthy, please can someone advise why exactly a payment to Takealot for a washing machine, along with a simple monthly payment for Netflix been declined? I spent a whole day at the local FNB branch, and they cant understand it either? Despite the fact that they really did their best! I have about 74,000 in the account, but somehow never enough for Netflix or a washing machine?? I have done absolutely done everything I can (along with amazing banking staff), but none of us can get to the bottom of the issue. Looking for a new bank that can work with me!