Pathetic Private Client Service

Seriously pathetic. First can't use online banking because don't have "active card", replace card and activate, still can't use online banking because card status incorrect, yet it is the ONLY status available when ordering the card. Then must call private clients, but hold on so long that you run out of airtime, and still no online banking. Absolutely useless, how does FNB think pays the penalties for late payments and airtime???? If I cannot use my credit card in the next 24 hours, I will simply through away the card, stop paying the account and pretend never had account with FNB.