Applications made difficult

Just getting hold of someone is terrible. Myself and the Mrs tried to apply for Gold Credit Cards but both have problems getting it right. Via the online channels the following happens: Mine says there is a discrepancy, and it will eb reviewed with feedback in due time, but it never happens. The process just dies there. When the Mrs tries to apply it says that she already has an FNB account, which is not so since she has never had an account with FNB, although she wants to move to FNB.

In her case she tried calling the Call Center last week, but they just say she has to go into a branch because they need some things from her, nobody knows what? Isn't FNB's key advantage that we do not have to visit branches for a simple application?

I tried via the FNB Banking App and Web Site to get hold of someone to help me. The FNB app I eventually got a response after being number 50 in the queue. The lady phoned me and put me through to Credit Application Department whereafter the call just dropped. When I notified her immediately that the call dropped I just got a reply "Thank you for chatting with...", basically ending the chat.

How many more channels do I need to use without waiting 48 hours to infinity hours to simply apply for a credit card?

I hope you can help us to sort this out.