No service

I have had a problem with my ebucks rewards, as well as my e-wallet online, as i am unable to change the limits myself, now i have encountered a new problem, if attempting to purchase something online with my credit card, I am not receiving my OTP at all. With my ebucks, my monthly average spend has always met the criteria, but yet not the full points are allocated. I have called in on sooooo many occasions, but yet it is still not correct. please can someone URGENTLY assist me