online credit facility operating like a ****

i also have experienced the same problem with FNB. i went online to temporarily increase my credit limit in April and instead the system automatically upgraded the account for me. i called same day and spoke to two different call centre groups of non could help me resolve the issue on the day. this is after it took the system only 1 minute to upgrade the account to one where the fees double my monthly fees. it is now two months down the line after numerous calls and emails that are not being responded to and the account is still private banking. i am now for the third month in a row paying over R300 in bank charges for a service i never requested and has no benefit for me because to pay R300 a month for slow lounge excess is a *******... today i attempted to do the downgrade online again and the systme times me out because it saw the credit downgrade and within 2 minutes and agent called me back to assist me with getting more credit. when i told her i dont want to upgrade but to down grade and decrease my credit limit all of a sudden she didnt have the expertise to assist me nor to transfer me to the correct department. just like the client above the funny thing is when i was on premier banking there was also someone to assist me at the drop of a hat now that im on this expensive account no one can resolve my querry. if the bank can not sort this out by end of the month i will have to get a loan with another bank and cancel my affiliation with them after 15 years or paying fees for services that are starting to look like ****s...