ow can we help you... sorry how can we help ourselves to your money!!!!

I am a very loyal FNB client . I appreciate technology so you banking app really works for me and your innovative approach is very refreshing. I just received a offer to be a private client which is great... So why the poor rating then you might ask?, well my mind is failing to understand why I am good enough to have an account which cost me 399 per month and which is far from what i actually get charged since my charges for last month was well over a 1000. I app**** for vehicle finance and was declined by my bank why when you can clearly see my activities... if my bank can't help me then where do I go to.... it seems I am good enough to have a private client status but my bank can't even approve my overdraft.... what the hell... how does this relationship work where I am always giving but never getting .... I am seriously questioning my choice of bank... How can we help you... sorry how can we help ourselves to your money!!!!