Worse service from premier help desk via secure chat

I am very disappointed with FNB they deducted credit card full payment instead of monthly instalment, worse of it all they saying they can’t reverse the amount and that’s my full salary amount is the 24th today tomorrow is Christmas Day I need this money for my family now they say I must wait for the money to reflect and then use the credit card balance which will reflect maybe Tuesday the 28 even Wednesday wow what kind of bank is this thinking of switching my salary to another bank so that if this happens again so that it can be reversed immediately without stories I am very disappointed with their secure chat, they don’t know what they are doing and this consultant called Esmerelda left me hanging for 20 minutes without a response only to find that the chat is cancelled I had to start all over again I am actually disgusted if this is not resolved today I am switching my salary to another bank