FNB upgrades my accounts without my knowledge

<p>I log onto FNB app and see 2 new ACCOUNTS-FNB PRIVATE CLIENTS CHEQUE AND CREDIT CARD accounts. I get calls and they deliver these cards. But I didn't ask for an upgrade! So on the chat I speak to Ntombifuthi Goge who tells me my accounts were upgraded and I can destroy my premier cards and use these new private clients cards. So I'm like what's this gonna cost me? R365 a month. But with this acc I don't even meet the qualifications to earn ebucks! I ask to be downgraded back to premier and Ntombifuthi ends the chat. Okay so I start again,explaining my story to Siphiwe Mngomezulu who then says "the cheque account was not upgraded, you still have the premier cheque account." So now,do I have 1 or 2 cheque accounts,why have my accounts been upgraded without my knowledge and do I have 1 or 2 credit card accounts?I'm confused!! I don't need the private clients accounts, I just need my premier accounts that I been using for 4 years!!</p>