Security questions and other fiasco's with FNB cards

I live in Holland I called FNB online services well in advance of my intended trip to SA to order new credit and cheque cards to be collected mid March when I was in SA. Only one card was available and the credit card got courier delivered to my brother's house, a day after I left SA. I asked my brother to please change the pin at an ATM when he can because he is coming to Europe next week. It could not be done because the card has not been activated online yet - but when I went online the card was not even registered on my account. I started the very expensive phone calls to SA immediately, and hours later I am no further than I started..........after failing to answer certain security questions correctly, I was told that I could not be verified and therefore I am now also locked out of my online banking until I have completed some forms to be sent to me via the mail. Security questions that are so far fetched and ridiculous that I could only say that I have NO IDEA what she was talking about when she asked me these "questions"!! Certainly nothing to do with me!!!! Now I am stuck again with a card that I can do nothing with ......but I need desperately as my pension gets paid into my FNB account!!! Why are things being made so terribly difficult ......??