Poor service on premier account?

I have a couple of problems with FNB as a customer for over 10 years, First there is suddenly a new insurance called lifestyle protection that they suddenly decided to add to my accounts of R95 a month on top of the current monthly fees, I get random fees on top of the monthly premier account fees, I have a debt order to pay my credit card which takes a week on average to clear and when calling to ask I was met with a very rude individual from the credit card support team. I am currently trying to get out of debt but they make offers to increase my credit limit. The team of bankers took 3 hours to respond after deactivation my card. This month I paid R6000 into my credit account before the debt order when off but they still took the Monthly instalment (2days later than the instalment date being the last day of the month). Transfer are shown on the incorrect dates? I would like someone from FNB to explain why I get this kind of service while paying for a Premier account? Why I need to put up with it? Why should I stay your paying customer?