FNB has really gone downhill in the last year

FNB are ripping me off very month with my credit card. I have a pay in full instruction - it gets debited from my current account but not allocated to my credit card. They freeze my credit card so I can't use it, charge me huge amounts of interest because I have not 'paid' and then try to deduct the minimum payment as well. Every month I have to go to secure chat (set aside 5 hours for THAT!) and nobody can sort out the issue. Where does my full payment go every month? Why can it not be allocated straight away? Nobody knows and nobody has the power to sort it out. Sent between departments endlessly, each claiming someone else does that job. It's like dealing with a government department. Be warned if you are thinking of switching to FNB, problems are a nightmare to get sorted. It's so sad I've been with them 20 years and am now moving at least some of my business to another bank.