No Helpfullness

Downgrading from Private Clients to Aspire , as my Bank Charges were just becoming ridiculous, I am now UNABLE to do certain things on my online Banking which I previously Could, I call the *** for the Credit card Division and explain that I am trying to transfer funds between my own accounts, but to my Budget facility to a specific item since Monday but I keep getting an ERROR MSG "01Invalid accounts Status, Error code 1096 and she says it is because I don't have a Physical Aspire Credit Card, FNB Is promoting Virtual cards, yet I cant do a simple transaction because I don't have a card, which I don't actually need- this conversation with the agent was complete unhelpful and she transfers me to someone else, who believes I'm in the wrong dept. but also completely unhelpful - 20 minutes between TWO agents and no JOY