Fnb is the worst.

Where to start? After luring me away from my bank, which was the devil I knew at the beginning of the year, I have just had non stop problems. Let's start. Credit. Okay, I have no debt whatsoever. Car paid off, etc etc. I open up a premier account, pay 200 a month, I was told by the 'person' who led me into temptation I qualify for overdraft and credit facility (which I did at my old bank) but anyway. So the day I go to get my fancy new cards, I arrive but no credit cards, no overdraft, just a normal card. Take in mind, I have already switched so my old cards are useless. I was in the process pre-fnb getting no problem financing for a decent (3x your salary) engagement ring. Problem at the bank. Credit declined? But why? My credit score 650+. "Sorry guy, we cannot give you debt, because you don't have any." The financial genius at the bank recommends to me I need a clothing account to help me portray a image that I can handle money properly. Uh, I can that's why I have paid off all my debt 10 years ago. So I listen. Go to Edgar's, open up a account. Wait a month. Pay all my bills. Check my credit score. 572. Shat myself. Go back to the bank. And I get my first "I'm sorry, the system just declines." No reason, just **** you. Another month passes. Back at FNB. Never mind magically giving me the credit score of a crackhead with no explanation whatsoever, I get told, I will definitely get credit and some help when I am with them for 3 months. Yay! I believe the 'person' and go about my life. 3 months pass, and what happens? I get fed another ****sandwich seasoned with ****s. "Sorry but the systems says no". But you promised me guy. Look here, on this paper, I promise. Pointing to the bankers words. "Sorry, you know what? FNB only does credit in 6 months. My bad." Never mind the debt I made taking this hip but forgetful guy's word. Life tip : Financial institutions and the phrase "Oops, my bad" don't belong together. Anyway, **** that guy. Now to try and stay ahead of my debt, I have to borrow money from people who charge me 30-40% monthly. FNB still doesn't care, although I told everyone in the bank. Bank manager won't see me, get shrugged by the customer relation person. Okay first complant. Not resolved. Ebucks. I over qualify by double digits, but apparently I don't. This is the game they play with me for 25 days of the month. I qualify the last 5 days, don't earn ****, then on the first, you don't qualify again. Its a joke. That was no 2. *****. While spending another afternoon which I so love speaking to a condescending *****, and begin kept on hold for 28min again, the drone makes a mistake. He forwards me the wrong email. A email with my header, address, all my details, which contains a message I did not send. When I confronted the guy, he said he was sorry and I think he blocked me off his email. Never heard from him again. Laid a complaint with proof with FNB. Nothing. So if the staff are fabricating emails, how the hell must I trust the bank? Not resolved. 4. Business account. 10 days to help you set up till your bank account is open. ******* month 2 guy. The business division don't make calls. That's policy. They don't return them either. Or emails, etc, etc. No feedback. Nothing. Vokol. ****ed my credit. My ability to receive income and made endless problems for SARS. I can carry on about the use of slang and grammar from senior people in the bank on emails and company documents, there is just too much. It's not like FNB are insidious, they are just indifferent. In my opinion, that's much worse. Sooo. In a nutshell, before moving to FNB, try these responsible actions. They will work out better for you. I promise. 1. Try heroin. 2. Bang your wife's sister. 3. Send money to that prince in Nigeria who will definitely send it back. 4. Be a ****** on social media or any platform for that matter. 5. Soos ons in Afrikaans se, slaan eerder jou voel in die kluis toe.