Worst Bank in RSA (probably in the World as well)

I wish I could give FNB minus stars. I have requested to have my credit card canceled three times. After each consultation they confirm that the account will be closed. Then I receive an SMS stating : "regrettably we have not received your payment". This is after a consultant told me to set up a debit order to settle the outstanding amount (which we did). So now I naturally go into the branch (for the third time now) and then the consultant told me we need to do a cash deposit. So we go to the ATM and I deposit the R150.00 (the outstanding balance is R147.81), but the ATM says it is not able to complete the transaction as the "account status closed". Then said consultant says we need to phone the credit department, but after some back and forth the consultant just says he needs to transfer us to collections? This is ********** behavior as now I just keep on incurring interest and my credit score is taking a hit. It is ****** R147.81, how can it be this difficult to settle and close an account.