Disappointed regarding the treatment of loyal customers - Personalised interest rate

I am deeply disappointed in FNB and the way they treat loyal customers. I have been a FNB client for +- 14 years.

Recently I enjoyed a personal interest rate of around 12% give or take on my credit card. I then increased my spend limit with R15 000, and after this they now tell me that the lowest personalised interest rate they can offer me is 18.5%!!

I have never missed a repayment, always paying above what the minimum amount is, yet now you are unable to explain why my interest rate can not be reduced below 18.5%.

On top of this, I requested for the increase of my spend limit on the 30th of August. Guess what, on the 31st of August they calculate the interest for August based off of the new higher personalised interest rate instead of the previous personalised interest rate at around 12%.....Without me having used any of the additional spend limit.....

I am thus forced to make a decision which I didnt want, but that would be to move my banking services to a Red, Green or Dark blue bank....