FNB - how can we help you? Shame you guys need to change that because you dont help at all!!!!!!!!!!!!!!

I would like to express my total frustration and disgust with my primary bank FNB. I am a premier banking client, and honestly to date have received nothing useful from FNB just basically wasting my time and money using this facility. I have tried to apply for a credit card with FNB, initially when I went online I checked my income as well as the expenditure which has been captured, I called in to query how to amend this as the information captured would show affordability issues.

Now I earn a basic salary plus commission each month I was advised to send through my documents 2 weeks ago for my profile to be updated, I had done that and to date not received any confirmation of this being done successfully.

The purpose of this was to get the income amended as per my payslips and then to update accordingly to see if I qualify for the credit card, I then received a message last week saying that it has been declined once again.

I call in and am told that once again it is due to affordability. So I ask myself what type of credit managers are sitting in their positions, assessing risk of customers, when I have explained my situation over and over again.

I have asked them to please explain to me how they are working out my average income over 3 months, I was then told that I should send my payslips through again for it to be assessed so that they can work out the income, THIS WAS ALREADY DONE!!!!!!!!!!!!!!

I have checked my credit scoring with transunion, which confirms a favorable scoring, I have then also explained that on my name I have a home loan, which I do not pay the instalments for as I rent out my house, I have tenants and a lease agreeement in place, my home loan account statements confirm that I do not pay the instalment but that the instalment gets paid every month directly from my tenants account to the home loan account, and I can back this information up with proof, facts, a lease agreement, a bank statement whatever you guys would need to confirm this.

secondly I have a vehicle financed on my name, that at the point of signing contract my father signed a legal debit order authorization form confirming that the instalment will be debited off his FNB account, and for the past 4 years he has paid every instalment, his bank account can verify this.

Now I have 1 debit order that gets debited from my account on the 25th of every month, 1 loan that is all I have being debited.

So can someone with a brain kindly explain to me how this affects my affordability? I need someone to seriously look at my account and my profile and to take me seriously because I am going to take this further I am sick and tired of *********** staff at FNB who can never give me the proper information or do things correctly I am so tired of having to deal with a bunch of idiots!

FNB is by far the WORST bank I have ever used and I would not recommend them to anyone at all, if I dont get the proper assistance that I need I will escalate this as high as possible, I will go to the ombudsman for banking practises if I have to, I will ensure that I share my horrible experience with everyone I know and dont know, because clearly the people working at FNB do not care about reputational risk and I will go to social media and whatever other platforms I can get to in order to get the correct and proper assistance that I need.

I want a complete break down from start to finish as to why I cannot get the credit facility, I want to know why the accounts which I do not pay for and have proof of this cannot be excluded from my monthly expenditure to bring my affordability in line, I want to know exactly how my salary and commission is being averaged out, I want detail explanations, and its very simple, if I do not get assistance I will escalate the matter as well as close my accounts.