Do not trust FNB and definitely not the banking app information it gives.

I had a revolving facility of roughly 60kin the 3rd week of August. My monthly debit order for that was roughly R1.7k. When I logged into my FNB app, I was told that I automatically qualify for a Revolving facility upgrade to R300k. (Pending application and approval, which was given without any hesitation). I wanted the increase so I could pay for my daughters university fees. what was not made explicitly clear was the fact that my next debit order would change from R1.7k to over R9k and that change was effective 1 September which naturally did not go through.

When I realized what FNB had done to me, I promptly within the first week of September downgraded my facility to roughly R65k and was loaded with 2 months of arrears by the bank. This took me almost 2 months to solve and now I still have a hold on my revolving facility because someone cant do their job in a normal space of time.