FNB product shop doesnt know what it is doing

Why FNB offer shop products like devices, I do not know as they are clueless. I opted for a 24 mth repayment for a garmin watch. I was declined due to credit behaviour, I am 60 yrs old, hold investments and properties but are not considered credit behaviour worthy??? So I paid for it in full. 5 days passed and no device. I had to follow up because FNB didnt. Oh sorry we have issue with cash payment we will have to refund you. It will take 3 to 5 days, we apologize. Had I not followed up??? So I purchase a new one of Takealot which was more expensive and guess what happens all on the same day of complaint taking into account I am in the Eastern Cape and FNB in Jburg. Ram delivers the item. But yet there was not tracking on file from either side. Sorry FNB you suck. I expect a refund for your errorsssssssss!!!!