Account not in good standing - no eBucks

I'm a great FNB customer and I promote you guys to all my friends but your 'Account in bad standing' policy is just ridiculous.

When I get my salary I move most my money from my cheque account to my credit card account so that I can earn eBucks from using the credit card. Last month I didn't leave enough in the cheque account and once my debit orders went off I was overdrawn on that account by about R200. FNB sent me an sms and I topped up the account immediately. I haven't received my eBucks for last month and I've been told via Secure Chat that my account will be in bad standing for 6 months, thus preventing eBucks and access to my revolving loan, all because I went into -R200 on my cheque account for 1 day. How is that logical. I've moved all my products over to FNB to make the most of ebucks, and if you're going to prevent me from earning any for the next 6 months, then what's the point of holding an account with you? These are the products I have:

- Cheque account - Credit account - Revolving loan - 2 Smart Devices - Life insurance

I was also going to move over to mobile in 2 months once my vodacom contract expired. This is insane, how can this possibly be a good policy??? Please advise how I can resolve this issue. I really like FNB and I don't want to change banks but what choice do I have when I am prevented from earning rewards because I went -R200 on a cheque account for 1 day?