If there was zero rating I would give them

At this point I am considering changing banks,fnb is nolonger convenient for me, firstly I ordered a bank card multiple times, it never came through, its been months without fnb bank card,I opened capitec account to transfer my money there so that I will just transfer my money there,because I have a capitec bank card, today I am transferring money to my capitec account its not going through ,despite their ridiculous amount monthly charges I stayed, my patients is running thin