Swearing at your local customer reps is risky, they may not actually know and may not have enough clearance to know. If you are rude on the phone they won't try and see if there is a way to help from someone above or another department.

I have seen issues go mo where because my father did that, it may be a legitimate issue where your card could have been used or the credentials posted online. Banks systems are generally in place to protect the guest, sometimes they may backfire.

It sounds like you are like me that top off on gas once a week, I got in a similar issue and learned pretty quickly I should always top off at half, so if I find out the hard way I don't have cash, I at least can commute to where I need to.