FNB Credit Card Division

I have been a client of FNB my entire 'banking life' and I find their credit card divisions level of service and general willingness to assist their clients appalling. To make matters worse, being in PE I have to deal with staff over the phone who know little or who are little more than telesales staff (no offence).<br> I have tried several times to cancel a policy on my credit card but they do not reply.<br> They have not re-activated the debit off my check account for monthly card payments after contacting them via an FNB branch and requesting this via online banking.<br> When they send an auto message for payment and you request a response they do not get back to you.<br> Then they charge you ridiculous penalty charges forcing you further into debt!<br> If I could settle my debt now, I would and then move to a banking competitor!<br>