Billed for What

You have attacted alot of clients for good products and service over other banks. Now that you have them you think they would never leave, hence **** service you render them. I have had a cheque account with fnb for years now but recently I doubt the value I have as a customer. And the private banker assigned to my account I need him changed, I want someone else. firstly I pay too much for my credit card. I pay less for a credit card I have 40000 limit on than fnb one with 25000 on, Siluma cannot explain how this is. I had a bounced debit for my insurance and charged r138 for it yet I had over 40 000 balancr in my account. Siluma failed to explain this to me. I used to receive sms in the unlikely event that my account is overdrawn and I would make a deposit, this time I did not WHY? yet I was apparently overdrawn by a lousy R300 ONLY according to my private banker. R300 is even less of an amount I pay in fees monthly to this bank. I frankly find this unacceptable and demand it be rectified immediately. And someone from credit card division assist siluma in explaining why im paying this much on my credit card. also advise why my debit was reversed when I had a positive balance???