FNB plolicy

I have been with FNB for years , i also have funeral policies , due to the current situation, my account is always in arrears and i aske d FNB funeral to at least debit their premium from my FNB credit card account, they responded talking about something totally different,they still haven't done it and am afraid my policy might be cancelled after paying it my whole life, i couldn't even get hold of them as their call centre is short staffed . what am i expected to do, i think the bank is kicking the horse that is down, am down just like most people.