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I found out reasontly that apparently I have a credit card with FNB?? This credit card was never issued to me nor was I made awear of it. At this moment, this card is with FNBs legal department FOR COLLECTION ON OUTSTANDING DEBT. Not even sitting in a branch with a consultant for 2 hours could resolve this issue. The only reaSON i FOUND OUT ABOUT THIS CARD IS WHEN IT REFLECTED NEGATIVELY ON MY CREDIT SCORE. Because of this I cannot get any credit at this stage. I suspect a case of INTERNALLY CREATED FRUAD. All FNB customers beware