Account upgrade

<p>This is the 2nd time in a week I have to complain about FNB. The credit card I hold with FNB has been slightly damaged and I wanted to order a new one. I thus went onto my online bank to check if I could do it there. Online banking gave me the option to upgrade my card and accepted it as it seemed like an easy solution. Yesterday my new card was delivered and later in the day I received a phone call from a lady at FNB. She recommended to me that my cheque account should now also be upgraded to align and link it to my credit card account, otherwise benefits like my ebucks won't link because I am on 2 different account levels and so that I can enjoy a bundle fee rate for the 2 accounts. I was open to this until I heard the monthly fees I would need to pay which is double than what I am currently paying. When I asked her I would like to see a comparison between the 2 accounts to compare the benefits to see if it is worth it, she advised that there is no comparison but she can send me the separate documentation but that it is quite a lot. I haven't yet received it. I also asked her that I needed time to think about this at which point she advised that we need to do it quite soon as my current credit card will be deactivated as it has been merged with the new account etc. Why, when I was given the option to upgrade my credit card was I not informed of the implications of it to my cheque account? Now I am almost being forced into upgrading another account so you can charge me more fees for benefits I am not going to use plus you put me under time pressure without being able to give me easily understandable information in order to make an informed decision. I think that is very sneaky of FNB to get one to so easily agree to an upgrade and then inform you of all the implications that ends up costing more of my money and time. I then spoke to my personal banker (who has always been very helpful) who informed me that they can cancel the upgrade but it will take at least a week just to do the paper work as it is a manual process (as your online systems only allow for upgrades not downgrades) and then they will still need to issue me with a new card once I have sent the signed docs in. I am travelling this weekend and need an active credit card for car rental reservations, I am now not sure if I actually have an active credit card because I don't know if my current one is still active and I haven't activated the new one but I have lodged a request to cancel it. I am now facing a dilemma and inconvenience and possible embarrassment when I need to pay but can't and will probably have to make alternative (more onerous) arrangements. I am also travelling abroad soon and then also need a credit card and I am worried that it won't arrive timeously (I also lodged a complaint about your poor forex services last week). I have always received good service from FNB but over the last year, FNB has disappointed me more and more. I am strongly considering closing my accounts. Thank you though to my personal banker who is always friendly and helpful.</p>