FNB, not so No. 1 Bank at all

FNB blocked one of my credit cards, with reason warning or any merit. According to there system, they have requested a copy of my Fiance's ID, well normally FNB is very good in communicating their digital communication sms's and emails. Not once did they asked me or her to send this copy. Not one call, not one SMS or email. Just decided to block the card, no warning that it is blocked or will be blocked. my Fiance went hiking on her way stopped at Engen to get some fuel, as we get Ebucks for fuel purchases, which is also in my opinion very vague as they decide on which level of point you are on, and at 4am the card was blocked. she was Stranded there for over an Halve an our. FNB then kindly sent us an SMS saying it was the wrong Pin thus the card is blocked. I then emailed them and they informed me the card is unblocked. Great! Then she went to Checkers in Stellenbosch and they again said it is blocked. I then again called in to my Private Banker, who was not available and was put through to probably four bankers that just passed the buck. i then eventually got to a lady that said they need a copy of her ID to unblock the card?? We then send it, and guess the card was still blocked? I then called again. and they asked us to go into the branch, this whole exercise probably took us 2 weeks to sort out. and in this two weeks we had a couple of assurances that the card is unblocked, which it was not, and have put us in an awkward situation with regards to funds available in the cheque account and the uncer*****y if the credit card will work or not.

In this whole period she had no card with her and i handed my cheque card to her, to use. with this whole credit card going backwards and forwards and the uncer*****y if the credit card will work or not, and that no funds, can be put back into the cheque account from the credit card, as i transfer most of the funds as you receive "more" Ebucks on your credit. we then exceeded the overdraft facility and thus lost the previlage of the refunded interest of round about R700. I took it up with my private banker and they said my reasons does not justify a refund...

I honestly can say private banking has absolutely no benefits to you as client, you pay more, you really get less, as we still had to go into the branch to sort out the card problem.