Over indebted because of credit that I couldn't pay.

FNB provided me with credit card back in 2015, I was working international back then. I got retrenched in 2016 and things didn't go well. I exhausted all the funds that was in credit card. I paid the school fees for my children and also buying food. During that period I was using credit card money and I was not paying it. My question was, why FNB did not stop it because I was not affording anymore? I think they contributed to be overdebted and for me feel that was a reckless lender. My life is a mess now I can't pay it anymore. I wrote to Hellopeter to assist me in this matter on how to solve it.