Suspended Account due to expired card

So my CC expired and I have just been using my virtual card as I find it alot more convenient as I don't like carrying my wallet. Then FNB decided that since I don't have a hard card on hand to suspend my account, I literally cannot pay or just transfer money from my account, I am currently so ****ed , I have a 9 month pregnant wife at home meaning my kid can literally come at any time and I won't be able to pay the admission fees. Apart from that I cannot pay any of my domestic workers or order stock for my small business bringing everything basically to a standstill costing me thousands just because FNB blocks internet banking on an account just because there is no hard cc - which I don't use or need at all. I am stuck for the next 5 days just because of FNB BS. I have been with FNB since 2015/2016, this is appalling that they can drop you in the **** like this with no warning.