FNB Premier Suite is just a front for their usual 'Home Affairs'-like service

I thought that the VISA assurances for a bona fide R10k online purchase for Christmas Day 2025 express delivery will be well protected by FNB, especially the Private Banking Suite - NO SO, this is South Africa, remember?! I have since been struggling to obtain an online refund from Broadway Jewelers in Krugerdorp (see review in jewelry)- merchant has "many challenges" with NO intentions to refund- immediately logged payment dispute REF:*** via Card Division (Premier Suite couldn't be bothered). "Normally takes 30days" and I followed up thrice (30days remember) and found out (each time) that neither Card Division, Secure chat advisors, nor the mighty Premier Suite hadn't even bothered to call the merchant- they ALL kept stalling me (like I should be quiet and go back to sleep- next to the cops who're 'investigating'). No surprises that FNB Premier Suite is all charges and no delivery on protecting loyal consumers' online purchases- their promise of convenience (at a cost) is all pork fat sizzling whilst the ****mers get away with the breakfast bacon!!