FNB How can we NOT help you!!!

I moved to FNB a few months ago and it was the biggest mistake I could have made. I have had nothing but trouble with FNB from day 1. Now they are telling me that I am over my credit card limit but I had the money available which I drew out a few days ago. Now I am being told that the money was not available due to the statement date. I don't understand, if the money is available and I am able to use it then how can I be over my credit limit. I will be visiting a branch today to close my accounts and I will tell anybody and everybody that will listen how useless FNB is as a personal bank.