Unable to Use Credit Card

FNB's services are becoming less and less attractive. I used to be able to call the credit card call centre 24/7. Now they close at 16h30 suddenly? That's great when you try to use your card at night but it is declined and you cannot speak to someone to sort it out. In addition, a machine told me I am not the account holder. Who is then? Ever since I received my new credit card, I have been unable to use it to make payments on websites where I made payments with my old card. All this "convenience" for an interest rate that is about 4% hire than what Standard Bank charges me, and their card works online. FNB, you used to be amazing. What has happened to you over the years? You just keep on declining.