FNB Credit Card Division

<p>Dealing with the FNB Credit Card division is one of the worst things ever. I skipped one payment, they called, I made an arrangement that I will pay within 3 days, then received an sms informing me that my account has been handed over to some law firm. The law firm calls me to make and arrangement, we reach an agreement. Today I received a phonecall from an FNB consultant about making further arrangements. I told them about the arrangements with their lawyers, he is clueless about that because it "doesn't reflect in their system." Overall, calling that card collection division is a nughtmare because you can hold on for 20 minutes before getting a consultant. Their motto is: How can we help you? They aren't helpful at all</p>