DOWNGRADE PRIVATE CLIENTS R500 fees for nothing

How can i downgrade my FNB Private Client acc to a something I don't have to have much money in the account to keep open. I app**** for a credit car and i app**** for car finance. FNB rejected me on both despite my credit record being green. I app**** at capitec and they gave both credit card and vehicle finance. So I'll be moving to Capitec