FNB Premier and Loans ridiculous offering!

After 16 years with FNB it is time to go. They advertise Personal loans at 12.75% interest (dependent on your personal credit score) Before I saw that online, I app**** to see if I can settle my credit card with a loan. I got offered 24.5% interest. I declined naturally as the repayments over the 60 months offered was higher than my credit card. Afterwards saw the FNB online Ad. Naturally I queried what I was offered, stating that I am a Premier client, 16 years loyal,my credit card interest is much much lower, and having an extremely high credit score, so why am I offered 24.5%? The answer was (after being sent from pillar to post by Premier Suite incompetence) from Loans, they are happy lower the interest rate with 1.7%! Again asking what are the criteria is for interest rate determination and pointing out again that it is advertised at 12.75%,not demanding that rate, but seriously something lower than the now 22.8%?? Going from one administrator to another and further incompetence by not answering my questions.. the last response from Loans were again "we will discount with 1.7%" So much for bringing business for 16 years to FNB. Time to say goodbye and hello to Discovery Bank.