FNB Cards arrive quickly, but you cannot use them... What is the point?

I am disappointed with FNB. I just moved my personal accounts to FNB a few months ago and I recall having issues with getting the account activated, getting the app working etc... Then after all those hurdles, I opened my business account with FNB only to have the same issues. The card arrived but I cannot start transacting even after activating the card on my app. So I called FNB again to find out why I could not start transacting and they told me that I needed to send through the usual registration documents to unfreeze the account, even though I had submitted these documents when I app**** for the account at registration - the same thing happened when I opened my personal accounts. Why do I have to do things twice with FNB? And by the way while I was waiting for the call to be answered there was an advert playing in the background saying that FNB prides themselves in making sure you receive your cards quickly because as an entrepreneur, you need to be able to start transacting quickly given there is only 40 hours per week. What is the point in getting the cards quickly if you can't start transacting? It is highly annoying.