It might happens for some odd and unpredictable reason (at least from the user perspective) that the Internet Banking stops granting you access to your account (incorrect userid or password, they say.) Then you have to call customer assistance by phone, and the automated system, before allowing to talk to a human being, asks for your userid, password and one-time-password.
But that information are incorrect (in fact you have no longer access to your account), and you can’t talk to anybody to fix the problem unless you have a working userid and password (that you have not). You just need to wait, and at the end of the day some human being will answer your call.
It would be better to answer first, isnt’it?