Unhelpful

First of all i opened a new credit card with fnb and asked them to take the minimum payment due. They sent me an sms saying 357 was due amd i paid 400 rand. I wake up this morning to a sms saying 3147 rand was taking to my credit card for payment. My cheque account was left in arrears of 2200 rand. I phoned the credit card department and they said it was a mistake on their side and i should just transfer it back. I tried to transfer and the money was not available in my credit card. Being transfered through to authorisations the lady i spoke to was very unfriendly and not willing to help as i told her i had just been online and it wouldnt let me transfer. All she said is well i dont know why log out and in again!!! Pathetic from FNB ... i changed to this bank to have better service and im recieving the same service i got from standard bank