Service is frustrating and beware of life policy on credit card balance

It is near impossible to get help from them via phone and the in-app chat feature is a challenge (but it does work for some things...hence some stars above) I spent an hour and a half this morning trying to find out why this ridiculous life policy they sold me is still in operation and just keeps escalating each month. and then trying to get rid of it...I'm now still waiting for someone to get hold of me to close it (along with the credit card). This is not the way it should be and FNB you can do better: - fix your phone lines, - fix your channels and have people manning them who know what they are doing and able to get me to the right dept to get things done where needed, - fix your debt policies: make them more accessible and transparent and ensure clients are not taken for a ride that they didn't sign up for - consider a "cancel this account/service" button on your app