******* service or attention to clients

I'm deeply unsatisfied with the care and lack of assisting clients. recently I settled a lot of debt I was in from a previous relationship, never the less not FNB 's problem. However I have settled all debt as I do very well for myself these days and I expected more once I called in. I have no debt, I keep 2 clothing accounts and MTN contract in play to assist with credit scoring. I app**** for a Garmin S60 watch on FNB 's website. got declined. called in and the lady was you lending is criteria is bad or whatever she was saying, that's it, no assistance further, if she had asked if any updates on payment etc. etc. had been done to help maybe motivate this for me, they would have known that I have all my paid up letters. not my fault the Lenders/creditors who I have paid are taking long to update my scoring systems(Trans Union / Credit Bureau). Surely once someone see's these letters and considers my gross income and monthly expenses, they will pick up and see that R289 a month is low risk and applicant could be assisted. but no, FNB is quick to sign me up to a Private client account last year and get more from me monthly or when I log on sending pre-approved loans right in my face for me, which I will never do as I have learnt my lesson . No EXTRA MILE going for their clients. Reason I wanted to take the watch is that it was nice and cheap and could help with credit as my Fiancé and I want to apply for a bond next year after we get married. Next best thing, my Fiancé was going to do it on her name and she has never had any bad credit history. Also declined and like mine it shows gross and expenses and I'm blown away that she cannot get approved for this little R289.00 a month for 24 months deal. Do you think Douw Steyn will be able to get passed you credit lending criteria's. pathetic all round FNB.