FNB, White Collar *******

The last transaction on my credit was Thursday 30th April 2020, after that transaction I received an InContact email advising my available balance. Knowing that FNB runs monthly charges and interest deductions on the 1st of the month, I checked my available balance this afternoon and went into a total shock when I saw that I had only 20% available to me of what was available the Thursday after said transaction. I looked into my account and saw that FNB reduced my credit limit, and by doing that used 80% of the available funds in my credit card to settle a portion of my credit limit.

I have NEVER missed a payment, not have I ever gone into arrears with this account. This month I transferred every available cent that I had from my cheque account to my credit card so that I can make use of the Ebucks rewards system only for FNB to take 80% of what I literally had available to me for the month and this without any forewarning. I WOULD NEVER HAVE TRANSFERRED EVERYTHING THAT I HAVE IN MY CREDIT CARD IF I KNEW FNB WOULD BE THIS SLY!

I queried the above via the FNB SecureChat, which is a joke. I received an automated message about the COVID-19 Relief Fund, which I think is a real slap in my face given that FNB just took 80% of my available funds.

I am a Premier Client and was told that I'd have a team of bankers available 24 hours, when I phoned the customer service line I was very politely told the line is closed. Wow!

Again, if I knew that this is what FNB would do I would NEVER have transferred everything I had into that credit card!!! How FNB do this to their clients without ANY forewarning and on top of that during the COVID-19 crises when people NEED EVERY CENT THAT THEY HAVE!!!!!

FIX THIS!!!!