Premier Card Expenses

I am happy with FNB, however, when it comes to my Premier Credit Card account, I am really disappointed.

Let's start from the top.

1. I pay R199 per month:

What you get for free: - Unlimited swipes - inContact - Decline inContact - Subscription to Online Banking - Subscription to Cellphone Banking - Subscription to Telephone Banking - Subscription to FNB Banking App - Budget facility - Auto Payment Solution - Courier card delivery

Now do not let this fool you. You can get access to the online banking with their other cards as well. When you buy airtime using their app you will pay R1.75 When you make inter account transfers you will pay using the app. In other words R199 is not any value towards the app, as they also call the R1.75 value added costs. Still wonder what I am paying for.

The s called private bankers I have access to are just a typical call centre, you hope your query will be allocated to a decent call centre assistant, otherwise, you will get someone ***********. Or no reply. I needed their assistance on a Sunday last year when some transaction was made on one of my accounts.

The courier card delivery, believe me, you pay for this.

Last but not least. I do not think their 55day interest fee on the credit card is working. Every month when I receive my salary I R0 my credit card, but I still receive "BUDGET FACILITY INSTALM" on my statement when I go over.

FNB sort yourself out.