RMB is so horrible with phone assistance.

RMB/FNB is probably the worst when it comes to resolving technical issues. I struggle to make payments using my virtual card and physical card via Apple Pay and using card details when I try to load my Suica Card(Japanese Yen) and Holafly(USD). When I call them on the phone, nobody knows what's going on, and they send me to secure payments who never pick up the phone. It's very frustrating if I am having issues right now while I am in the country. What will happen when I am in Japan? Please don't freakin call me if you have no options to help me. I will move my account tomorrow if I don't get this resolved.