FNB Card Division does not have qualified staff

FNB Card division does not have staff that understands basic emails when a customer tries to explain a problem. The feedback a customer receives does not even point to the same transaction or the problem the customer reported to have resolved.

They don't understand the rules around the FNB VISA cards they issue to their own customers.

It takes months to get a response on an email, just to realize that the problem you reported has received zero attention.