FNB fully banked and good paying means nothing to them, no loyalty towards the client.

I did request a rate review on my homeloan where the following factors changed: Loan to value changed from 100% to about 65% 2 vacant bordering properties was build on and is now occupied A second homeloan was settled thus income to debt ration is now better I have become 100 banked with FNB Moved my short term insurance to FNB Insurance brokers Moved my life cover to FNB life

Now with all this taken into account they say the contract for the homeloan we signed was for the full term of 20 years, but yet a few years ago my credit card limit was decreased by them without any prior notice, because the bank felt they were at risk to much. This is how FNB treat you fairly. This is how they treat clients with no returned debit orders, no missed payments, no arears on any accounts and settling credit card in full every month.