FNB Fusion Premier

FNB Fusion premier account:

I have been banking with FNB for about 6 months now. I opened the Fusion account under assumption that it would help build my credit score because it was presented as a credit card with a current account functionality. But the credit facility is basically an overdraft, nothing special.

I now want to switch to the bundled credit card and cheque card but they telling me that i don't qualify for a separate credit card. I need the flexibility of being able to choose which funds i can use but the Fusion account doesn't offer that. I have spoken to so many different consultants at FNB in different branches and none of them seem to understand how the Fusion card works. Furthermore, i don't understand how my credit score is still to low for a credit card since the Fusion account is a credit card as well. I feel like the Fusion account is basically an overpriced cheque card which is not what i wanted.

I am really not satisfied with their product and customer service