FNB makes life difficult

My wife has an FNB account and what upsets a person is that FNB did not even send an SMS stating that her card is going to expire like they normally do. So what happens when we where eating out and it was time to pay \card declined"how embaresing but it does not end there. She went to bank city and the collections section is rude and further more she must wait 15 days for a card. And they say FNB making life simple . What a joke."""