Surprisingly poor service from FNB.

I have been with FNB for 3 years and have never had an issue with their service or respond time as bad as this.<br> I had recently taken out an FNB Credit card under the platinum bundle deal of R199. the sales agent clearly said that under this deal I will not be billed the R200 annual fee for ebucks. I was billed this immediately once the account was opened! this happend in December 2014.<br> It is now 3 Months, 4 calls (2 reference numbers saved) & I am without my due refund.<br> the first reference call that I had saved on 17 February 2015 (Rv***), I was told that the request was logged & the refund will reflect at the end of the day, but wait 3 working days to be safe.<br> It is now the 3rd March without any reflection, I phoned once again Ref (Rr***) and was made to hold on for 10 minutes, after which i was told that the team leader to authorise the refund was not at his desk and i will get a call back shortly. I had told this gentlemen that I never ever received a call back from an FNB call agent in the past, he assured me this would not happen.it has now been 5 hours since the call and I have lost my patience.P.S.waiting 30 min on the Premier suit call line as I type this!