Unbelievable incompetence at FNB- Spoke to 4 people at FNB but NO help then disconnected after about 55 mins?

Tried to make a payment online with my credit card but it was declined despite having a positive balance. So as I have no internet today my daughter who has authorization on my a/c also tried same story. Rang FNB Neyo then told me there was no problem so try again. Still declined then he put me on hold to transfer me to the correct dept but the line was cut! Rang back a lady said she would transfer me to credit card division. Spoke to Gavin who said he cant help me but he will transfer me. Spoke then to Also who also said I must transfer you to the right person??? Then got a message saying you are through to C Card ***** detentions, then a message saying something about not being a verified (or word similar) and the line was cut??? 55 minutes speaking to four people all of which were totally clueless.