Worst Experience with FNB

Good Day I am writing to formally express my deep dissatisfaction with the handling of my recent credit card upgrade and its subsequent impact on my financial profile.

After receiving multiple calls and app notifications encouraging me to upgrade my Aspire Credit Card to a Premier Credit Card, I eventually agreed, under the assumption that the process would be seamless and that the Aspire account would be migrated accordingly.

To my surprise, I have now been issued two separate credit cards on the FNB App — both Aspire and Premier — each reflecting separate credit limits. This effectively doubled the total credit exposure on my profile without my consent or proper communication from your side.

This error has now had serious implications. I recently app**** for a "Future Use" facility on my home loan and was declined due to affordability issues. The system shows a repayment of R8,000/month, which is incorrect and inflated due to the duplicated credit accounts. It appears that my available credit now reflects a R160,000 exposure, which is completely inaccurate and directly caused by FNB’s mismanagement.

It is extremely disappointing that a bank so proactive in marketing its products is unable to manage the client relationship with the same energy when things go wrong. I trusted FNB with my finances and now find myself penalized due to your internal processing errors — something that could damage my credit score and long-term financial planning.

I request the following actions immediately:

A full investigation into the duplicate credit card issue.

Immediate correction of the total credit exposure on my profile.

Re-evaluation of my “Future Use” application based on corrected data.

Confirmation in writing that this matter has been resolved and rectified with the credit bureaus, if applicable. I trust that you understand the gravity of this matter and will respond accordingly.

Sincerely,