THE MOST WORST BANK TO BANK WITH!! NEVER IN MYLIFE HAVE I EXPERIENCE SUCH PATHETIC SERVICE!!!

after so many complaints all i get back from FNB is that they cannot help me i must manage my own account as stated by their Banker Ms Nonkululeko Xaketwane, i cannot understand if a account does not have a overdraft facility then why the hell does the card not decline. i have to say that i have had the worst experience in terms of service and after 3 months still fnb cannot rectify so why do we have a bank account if we must manage our own funds FNB Premier is the worst choice i had ever made to move to FNB has no regard for their and their service levels are pathetic. they can never resolve any issues but just makes a persons life more complicated further to this i will no longer be banking with FNB this bank does not care about its clients nor do they even attempt to resolve any issues, they are just want to take our money the way they seem fit. pathetic service!!!!!!