FNB Downgrade Service with Secure Chat- Horrible!

I'm highly irritated and frustrated with FNB! I downgraded to the Easy Bundle Account on 25 May 2026 and was told my card would be processed between 5-7 days. It's been more than that now. I decided to follow up and firstly, the secure chat keeps saying I have ended the chat, when I have not (this happened 3 times while I was still in communication with an agent). Secondly, one of the agents tells me that they can confirm the downgrade was logged & they will escalate the matter. So clearly this means my card is not ready. I then asked if this meant that my card is not ready. Then they tell me I cannot downgrade because there is a credit facility which must be settled only then it will be downgraded. However, that was the whole point of me downgrading in the first place! When I had downgraded the account my account was not in arrears. This means you never had even started with the process of doing my new account and wanted to wait to charge me for current account that I have- purposefully delaying the process so that you have an excuse! FNB is a **** I tell you. I can't wait to just move to another bank. This is ridiculous.