Charges not mentioned

<p>I was asked to see a consultant in the middel of last month as FNB wanted to see if they could move me over from another bank. I ended up moving over due to the fact that our business account is currently with FNB and should we need a loan at a later stage it would be easier to get one if all our accounts were with one bank. </p> <p>During the process the consultant advised that i should take ebucks as it would be a good idea and that taking a credit card will move me up on the rewards table. I also have a funeral policy with FNB and was told that this too would move me up another level. We completed the credit card application and opening of the accounts and was told that the credit card would cost me R43 per month. I then receive an sms notification that there is documentation outstanding for my overdraft facility, which i did not want or apply for meaning that they did yet another credit check for something i did not ask for. What i discovered later was that the credit card would only move me up a reward level if i spend a minimum of R1000 a month on the card which i was not told, and on furthur investigation found that the funeral cover does not move you up a level either. I then got a suprise when i used the credit card, an initiation fee that i was not told about when taking the facility. They refuse to refund this because i will not be paying the monthly fee of R17.50 to belong to the ebucks programme and also say that this is what is charged. I have tried to resolve the issue with the branch and the consultant has been in communication with the credit card division and yet still no resolve.</p> <p>I understand that completely but had i been informed of it i would not have complained about it because i would have been aware of the additional once off charges. How can you charge someone a fee that they were not advised on??</p> <p> </p> <p>It also seems that either things change on a very regular basis or that the consultants are not up to date on changes that come into affect on certain products.</p> <p> </p> <p>This is not the first bad experience i have had with FNB and cannot understand why a person must go through so much hassels and only find things out after the fact...</p> <p> </p> <p>Very disappointed and unhappy with FNB...</p> <p> </p>