**** or incompetence? Either way FNB is pathetic

I have banked with FNB for almost 45 years. Had an FNB credit card for most of that time. Previously FNB was reasonably reliable. But not any more. In October 2020 FNB stopped sending e-mailed statements. Because of that I neglected to pay my credit card balance. On the exact day the payment was due, my credit cards were blocked. 45 years history of paying meant nothing to FNB. I paid sufficient to cover November and December payments, and arranged with FNB to pay the full credit card balance by debit order each month. Come February, my credit cards were again blocked. Why? FNB had not done the debit order they had agreed to. Yet another phone call to FNB. Again FNB set up a debit order to pay the outstanding balance each month. The consultant I spoke to distinctly confirmed that he had set up the debit order and my credit card balance would be covered. March 21st I discover that FNB has not made the debit order transfer due on the 20th. Is this some **** perpetrated by FNB to earn extra interest on unpaid credit card balances? Is this pure incompetence? The "How can we help you" bank has become a nightmare.