Unable to down grade private wealth to gold card

Requested to down grade from Private Wealth Card to Gold card. Request on 2 Sep,ref no Rh*** and again on 2 Oct ref no Rf***. The problem seem to be that FNB wants to force me to sign a debit order. I have operated a FNB Visa card for the past 30 years without a debit order.I cannot understand why I must now sign a debit order if I want to down grade to a Gold Card. Unfortunately I do not have the FNB bank officials name who advised me, \If you do not sign a debit order your request for the down grade will lapse". If I keep the Private Wealth facility I do not need to sign a debit order. """