They don't really want to help you.

Wasted the whole afternoon trying to get help. I have a new credit card for which I need a PIN. I cannot view the PIN on the app. I can't use the app because my previous phone is apparently still registered as my device for banking. The helpline will not assist to change this because I cannot answer some of the security questions. The agents' reading and pronunciation were so bad that I couldn't understand him. The last straw was a question to which there is no answer ("what is your monthly credit card installment?"). It seems the genius at the credit bureau who wrote these questions has no clue how credit cards work. NO! not asking how much your last payment or statement was or the minimum required payment, but the MONTHLY INSTALMENT. (Par for the course: this is SA!)