FNB again with their discriminating policies

I received this sms from FNB:" ....update with Credit Card to avoid block in 24 hours" I do not have a credit card FNB, but block my acc. Why must I have a credit card if I do not have any credit and I will not get a credit acc. You already discriminate against my by not giving me e-bucks, because I don't want to use a 'smart' phone, now you want to discriminate against me further by blocking my acc. for not having a credit card. (I must restrain myself not to use more 'appropriate' language.)