Credit Card Issues

<p>I can't even begin to describe the horrible service and my dissapointment with FNB, specifically with their credit card division. </p> <p> </p> <p>I was sent three premier credit cards, after I had requested a Gold Credit Card. If thats not enough, I was charged an initiation fee for the premier card,and then again for the Gold card. Thereafter they (Credit Card Division) said they charged me a 'downgrade' fee as i was a premier client, which I never was. So their flaws are charged to my account.</p> <p>I then went into the bank at NewMarket Mall, called the credit card division to cancel everything, they said they are unable to as I am in arrears with the account, bear in mind I never even opened the stupid envelopes the cards came in. And they refuse to refund my initiation fee. Very dissapointed in FNB> </p>