FNB Credit Department Useless

Due to COVID-19, the business changed our salary dates from 25th to 1st. I phoned MFC to change my debit date from 25th to 1st. They informed me they could not change the debit date will only be effective from next month. I informed them my payment for my vehicle will not go off, but they can debit me the 1st. The vehicle payment did not go through and MFC did debit me the 1st. Know I cannot increase my Credit card limit or even apply for Smart Device due to ONE payment that did not go off. Something that was out of my control I am getting penalized. I phoned MFC asking them for all the proof to show FNB I am not behind. FNB Credit department refuses to help me! They keep on asking about letter or arrangement that I made with MFC this was done over the phone!!!! They really do not care about their clients. I know if a lot of people that is sitting huge outstanding debts not even being penalized at all.