Customer service

Been banking with FNB for over 30 years now. It has nothing to do with the fact that my whole family banks with them. I’m in a fix today wanting an overdraft of R15K and I have been declined with no justifiable reasons. Really…………. I truly see no reason for keeping this so called black card instead of switching to Capitec. I am paying FNB R479 pm on bank charges??♀️?. Capitec you have a client in me??????