Unhappy Client

As a customer "Premier Client" of FNB, I honestly feel that I cannot recommend this bank to anyone.

I have been with them for more than 4 years now.

I have been offered to become a Private Client but have refused this as I have not seen any benefits of being a client of them.

We app**** for a home loan and got the worst repo rate from all the banks even being a client.

I have bought 3 vehicles and every time I went to get vehicle finance they were the most expensive even being a client.

I moved my wife over to the bank also to make easy use of the applications they have etc...

So my latest endeavor with the services is that I wanted to make a payment with my credit card only to find out that it expired.

Not being notified firstly and this is not my first problem with my credit card the last few months.

So as a client standing with a red face in front of someone and the card doesn't work. And then it's the system being down.

I was on the app trying to get hold of your banker and the first action I waited for over an hour to get help. To be told that my card is not ordered? and didn't even get a chance to talk back to the representative.

Then had to log assistance again waiting over 3 hours to get someone to assist me also to be told I have to order the card on the app myself after I had to point out that my card is the credit card that expired and not the petrol card.

So this leaves a nasty taste in my mouth and questions 1) When this was an automatic process of getting a new card now you as a client need to sort out this. 2) And what happens to a client if they didn't have their other way of payment? Which I'm luckily able to due