FNB Virtual Card with Virtual Money

I received a message on 30 January 2023 that there is a delay in the processing of virtual card transactions for the period 24 to 28 December 2022 and that it will be processed on 1 Feb 2023. The issues with this. 1) It is only deducted more than a month after the transactions; 2) They said it is for a certain period and not for which transactions in that period. 4 transactions and not all in my case. The 1 Feb deductions were therefore a huge unknown and it is bad banking practice as the client did not know the minimum funds that must be in the account; 3) They did not say anything about the eBucks calculations. Including smart spend; 4) The SMS and email per transaction at the time did show the reduced available funds after each transaction, all looked like a valid deduction at the time. I cannot confirm that the available funds were rectified due to the so-called non-deduction; 5) Must we, as clients, who pay banking fees now also update an Excel file on the side to police FNB?; 6) There is a big drive from FNB to use virtual cards and now this happens. How must we trust this going forward? I also noticed on social media that various FNB customers are looking for other banks because of this.