Denying discounts

FNB is becoming more and more disappointing, after recently waiting more than 2 weeks for a credit card limit to be reduced (increasing it is super easy) I've been keeping track of my ebucks. <br> <br> Last month the calculator showed that I needed an active personal loan to qualify for a higher rate. I HAVE a personal loan & I was told my query would be escalated - NO response. <br> <br> <br> This month is shows that I have a personal loan but it doesn't show that I have an overdraft? So I'm missing out on discount again.<br> <br> Is ebucks actively trying to denying people from discounts or is your system just flawed? <br> <br> FNB has always been a bank I've been excited about banking with, but innovation means NOTHING without integrity.<br> <br> I also seriously annoys me that I have to get to this website to get any real action on queries.