FNB CREDIT CARD

After much deliberation, I finally got convinced to take out a credit card. The process sounded SUPER easy and SUPER efficient. So I opened up a credit card off my business account.. Things went smoothly until time to pay.

I used the credit card to make an online payment, of which i wanted to pay off the very next week.. However, when I went onto my banking app to do so, the credit card was showing but it wasn't linked (meaning i couldn't transfer from one account to another). So i contacted my business banker. He made me fill out forms and submitted them. Another week went by - no response. Not even an upadate to say they looking into it. In the second week, i contacted my business banker and he advised me to call a number (fair enough i had the card details so i had to call) However, no one could find any trace of the complaint. So i went back to my banker.. and he CC's the care office to assist..

It's now week 3 and my statement has come in.. up until this point I've had very little help from FNB. Not only can i not pay off my credit card (unable to do a transfer from one account to another), i dont even have access to my account details to add it as a beneficiary to pay it off.

The only flicker of hope (in week 3) was speaking to a woman named Mbali in the credit card division who was more helpful than a business banker!!! She helped my to add my credit card as a beneficiary online. (Something my business banker should have prompted me to do).

So now my frustration is: 1) your business bankers are VERY quick and helpful to sign you up BUT when there is an issue they pass it on down the line and do not care to follow up on their client. What am I paying him commission on exactly? The call agent Mbali knew how to rectify the situation after 3 weeks of running after my business banker. I'd rather my commission go to her!

And 2) what is a control account? Because this was NEVER explained to me and the poor woman (Mbali) had to try help me understand it. -of which i still don't because its hard to grasp over a call..

3) I'm highly annoyed that when applying for a credit card, the process was easy peasy. But when there's an issue, the client is left in the wind, spending hours dealing with call agencies and still not having the situation fixed. Now this "control account" wants me to pay a certain amount seperate from my credit card or they will "sweep " it from my cheque account. WHY!!?? I've paid off my credit card fully, with the help of Mbali. But why do I need to pay another amount into a control account?

These are all sneaky little fees FNB doesn't tell you about..or maybe they do but the person who signed me up didn't mention ANY of this.

Very disappointed FNB.