Dishonesty & Trying to Rip-Off a Client

I had put in a request to have my Credit Card Limit increased sometime in September 2023. Mind you I have have my rate increased and decreased before in the past and not once had this affected my interest rate % which has always been prime + 4.25% or so.

To my surprise I get a quotation from FNB to accept in order to increase the limit but the catch now is that they want to charge me a while 22.5% IRR?? Absolutely Absurd Right?

I take this up with Omphemetse Mokhaloane as he is the one assisting me and I tell him that - that is a complete ******* (which it is ) I cannot accept that offer. He goes back to speak to the Lending/Credit department ( which takes centuries to provide feedback) and eventually he comes back to me and tell me The Credit department is happy to proceed with the limit increase at my current IRR% - Ohk.

However on the day he gave me this call, it so happened that earlier on that day I had logged an incident ( CAS-***6-N8C4P) to have my current credit card rate reviewed and reasons being: * I was given the current IR% of prime +4% back when I was a student and had no credit history whatsoever. * I have since then maintained a good credit record with FNB paying on time, paying more than the required and I have never missed a single repayment on my credit card account. * An alternative bank which I was trying to open an account with was promising to beat the current IR% which I Have with FNB.

For some reason Omphemetse and Team were very quick to try and close this incident as they have agreed to give me a rate increase at my current interest rate and I am supposed to be thrilled at this mediocre outcome - talks about clapping for a swimming fish.

I made it very clear that I do note want the case closed I still want my credit card IR % to be reviewed. After weeks I get the lousiest feedback from Omphemetse stating that The Lending Team cannot review and reduce my credit card IR% because I missed debit order in January this year - They could not even tell which debit order exactly (Amount, Exact date) and from which account this was because I do not have a single debit order going off my Credit Card Account - I was too quick to think this is an absolute low for FNB but they have now outdone themselves by going even lower.

I then tell him that its fine can we proceed with my credit card increase at my current rate as it had been offered and agreed upon- Only to be told that No!! The lending Team has now changed their minds and they backtracking and will not be giving me the rate increase on my current IRR anymore, They are going to increase my limit at the interest rate of 22.5 %

This was the biggest middle finger I have had waived in my face, Excuse me ??? The Sheer Shameless Audacity ?? I am beyond upset right now because I do not understand how a bank that you have been a long term client of and have multiple accounts with including business accounts could even treat a client in this manner ?

They do not care whatsoever about customer service and Client relationship. And they have clearly displayed that this is something that they can do they just simply do not want to. I do not know what I was expecting from a bank that was involved in Manipulating the Rand but this definitely took me aback.

I am not happy with the above and I will not be taking such nonsense and filthy customer treatment. I have made this very clear with My Private Banker and I am waiting for this to be escalated to her manager!!