Credit Card Downgrade Issues

<p>Earlier this year I was informed by FNB that I qualified to upgrade my Gold Cheque and Credit Accounts to Premier. I did this at the Greenstone branch and the process took less than 15 minutes. I soon realised that having the Premier Accounts weren't advantageous enough and went back to Greenstone to downgrade the accounts. The employee who helped me then told me to downgrade to a Gold Cheque Account, but keep my Premier Credit Account as this would mean earning more eBucks. This wasn't true, as you can't link a Premier Credit Account to a Gold Cheque Account. When I realised this I went to the Northgate branch twice in the first two weeks of June to downgrade my Credit Account, but absolutely nothing happened. I phoned the FNB Cedit Service on 24 June and they informed me that there was no request for a downgrade on my account and I then requested it again. Two weeks later I finally received an agreement form to sign and I sent the signed documents back. They did confirm receipt of the signed documents, but after this the documents were sent back to me twice. I sent the documents again on 11 July, after talking to a consultant for the fourth time.</p> <p> </p> <p>It seems when FNB wants you to spend more money on an account it takes you 15 minutes to set up. When you want to downgrade you struggle for more than a month, after being falsely informed by employees. </p> <p> </p> <p>To top all of this, I was offered credit insurance on a Gold Credit Acoount, which I don't even have???</p> <p> </p> <p>I have never experienced such bad service and I am seriously considering switching to Capitec.</p>