Never ever trust/bank with FNB. Their banking system sucks.

On 21st June, my FNB Private account got debited with monthly account fees of R420. I visited FNB bank at Canal Walk shopping center on 26th June 2023 for downgrading both my Private Cheque and Private Credit card accounts to FNB Gold Cheque and Aspire credit accounts respectively. They have taken up my request for downgrading and said I will receive the new Debit and Credit cards in 7 working days. Soon after they started the process, on the 26th of June my Private Cheque account got debited with monthly account fees and credit facility fees, don't know why. Then, I waited for a week to receive only the Gold cheque debit card, but the Credit card downgrade has not got processed. I called customer care a week after, and they said, the card I have actually received is for my Aspire Credit card and not for the Gold cheque account and confused me. I waited for 2 more days and visited the FNB bank at Canal Walk shopping center. I have spent almost 2-3 hours and they have logged a new request for Credit card downgrade processing and said that I will receive a response in 17 hrs. I waited for 24 hrs and called the Credit Card customer care again, they said I am supposed to sign on a Quotation to start the credit downgrade process, this was news to me. After a couple of hours, I received a quotation in my email and signed it, and sent it back. A couple of days later I saw a new account on my phone FNB app called FNB Aspire Credit and see some account fee debit transactions, don't know why. I waited for a few more days, but no news about the Credit Card. I called customer care again today to follow up on the Credit card and was shocked to hear that there is no request for a Credit Card issue and she is going to make a new request. I was on the call for almost 30 hours, but not worth it. I have spent hours in the Bank, spent a lot of time and airtime on the phone for downgrading my account, and even after they debited fees multiple times from my accounts, I haven't received the card. I strongly believe, if I receive a new Credit Card they will also debit fees for that. Also to note, my next monthly account fee debit will happen on 20/21 August, which is not too far.