I recently applied for a credit card via FNB's online banking facility. At the time, I did not completely understand the difference between some of the choices on offer, so I phoned the Credit Card department at FNB. Nobody could answer my simple questions, even after I repeatedly got re-directed to other / different departments, for most of whom I had to dial another number myself (the costs of which is of no concern to FNB).
Eventually I resigned to online searches and simply picked options without being adequately informed. Part of the application involves picking a design for the card. A minor thing, but quite useful if you would like to be able to distinguish your card from other FNB cards. This was a waste of time, since I did not get what I've asked for.
Then I was faced with activating my card. My preferred option was online banking, only to find out that the option is not available. Again, I resorted to phoning FNB. This time I got told that they cannot help me, because of technical difficulties. When I asked for the complaints department, I could not be redirected, so I made another phone call. The line was unattended and the mailbox full.
This is miserable service...
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