Credit Card - Incorrect information given now I am in debt

<p>Here is a timeline of the issue at hand.</p> <p> </p> <p>1. Around the 17th of June I went to apply at my local branch for a Credit Card.<br /> I went into the bank as I had a few questions regarding how the 55 day interest free feature works.<br /> <br /> The sales consultant at Clearwater Mall FNB explained to me after consulting to his manager on the day that this is how it works:<br /> June I buy on the card > At the end of June all my purchases are calculated > I then have 55 days to pay the June purchases in full</p> <p>THIS IS NOW NOT THE CASE AND IT HAS BEEN EXPLAINED TO ME THAT THIS IS NOT HOW IT WORKS TWO MONTHS DOWN THE LINE</p> <p><br />2. I planned my finances based on what the consultant explained to me and made a variety of purchases.</p> <p>On the 15 August a debit order ran and bounced as I didn’t have enough funds so was charged for the bounce<br /> </p> <p>3. 18 August I called the call centre where I had to go through 2 consultants only to land up with a 3rd consultant who had to constantly ask for assistance on my queries.<br /> This call took almost an hour. Reference: Rv ********** 526<br /> I found out that the explanation given to me at the branch on how the 55 days was not correct and I found out that my statements had been going to a random email address which was not mine ********** and had to follow a whole process to change it. (Alarm bells that ***** is happening on my account)</p> <p><br />4. 20 August I went into the Branch at Clearwater. A total of 3,5 hours that I spent in the bank that day<br /> I stood in a que at general queries who were unable to assist me and put me in another que at relationship banking.<br /> The banker told me she couldn’t do anything for me as the credit card division had closed at 1pm and she said she would call me on the Monday 22 August.</p> <p><br />5. I have received no call and no solution to the false sale of the credit card which has now put me in debt, cost me a debit bounce, adding interest to my outstanding balance and has taken more than 4 hours of my time to try and sort out.</p> <p> </p> <p>What do I want? I want to have all charges and interest reversed up to the 18th August as that is the first time I heard the correct way the card works.<br /> I want time to pay back the balance as per the sales consultant explained to me for all purchases made before the 18th August.</p>