Pathetic service

********** transactions took place on my credit card on 6 Nov. The money was supposed to be back in my account but the dead line keeps being extended. I just spend 20 min on hold, got through to someone who placed me on hold for 40 more minutes until I eventually hung up. FNB is absolutely useless when it comes to customer service and when you need a human to assist you. After 10 years I am moving away. ***** ebucks and whatever carrots they dangle.