If you want your credit rating to drop settle your loan or credit with fnb! They penalize you for that!!

So you get told to get a 300k loan of creditcard you need to have debt! So you take the temporary laons fnb offers and you pay it back in a day or three! But everytime you do that fnb penalize you on there creditscore! So how are you suppose to go forward? You lend and you pay in full again and again so what more do you need to do?? Then fnb replies they will contact you and nothing happens! Pls dont let Salesh Sing email you from customer specialist!! Useless!! Have no clue about your acc or history! Pls tell me why do fnb want to upgrade me to pvt wealth?? Even fnb's app can recognize i am actually a pvt wealth client but i choose to take an aspire account cause pvt wealth means nothing!