ONLINE BANKING but i cant transfer

Few weeks back i reported card my cards lost as someone had stole my wallet, i didn't have much stress as i still had excess to my online profile but to my surprise all my linked accounts i have access to except for my CC, now my question is why do i have ONLINE BANKING if i cant have excess to my funds and yet i can verify, authenticate myself with FNB how different is CC to my Cheque account. I need my money transferred from CC to Cheque i have plans for that money and I'm not going to wait for who knows how long before i receive my cc