FNB no longer the same

The quality of service in this bank is deteriorating very fast. On 21 November 2022 I tried several times to talk to the credit card consultants. Each time I waited for more than 30 minutes without success until my private banker requested someone to call and wait on my behalf. After eventually going through, I could not be assisted because the consultant was clueless about the transaction I needed to be assisted with. I wanted to make a withdrawal from my budget limit and pay over a specific period without shifting the limit. This used to be a simple exercise but this time around nobody seemed to know about it. My day was ruined.