Unable to log in, or recover password

I thought I ordered a card and activated the app a long time ago, then forgot about it when the card never turned up.
On reattempting to continue the process, the app is no help!
It seems my phone number is linked to an account (no other options other than entering a number) but I can’t remember what passcode I used.
The passcode recovery relies on having a bank card linked. I don’t know if I ever got this far, but none of my current cards unlock my passcode.
Chat it is useless, and there is no way to actually talk to someone?
Please help!