Day Light ******* First National Bank

I am so disgusted at the way I am being treated by FNB. I opened a Private Client with First National Bank in November 2019 all was smooth sailing with the account I then app**** for a credit card to be linked to my cheque account they declined me . I made peace with it until I started receiving SMS messages stating I am in arrears with not one but two credit cards . To top matters off FNB blacked listed me and damaged my credit profile where I can't get credit now . I made contact with them via the app and was told I have two credit cards activated on my profile and I must pay the fees . Why should I pay for something that was declined is this how the banks bully consumers . I am sitting with a tarnished credit profile and for what a credit card facility which I was declined for in the first place. No one at Fnb wants to help me is this how you treat your customers I am disgusted at the way they handing this matter . This is **************** why am I being forced to pay for something I never had and to top all off you damage my credit profile