FNB Account advice

Same here. I have been a bit busy to follow up but they were supposed to call me.
Called them now on 087 577 7000 and requested it again, apparently its not something that they do via front-line support so they send an email and it should be done in 3-5 working days..
Let's see.
 
Cool, no worries..

With the new points structure, its harder to maintain level 5 and I want to move to Private clients to save extra when I take out my homeloan..

You can simulate a lower interest rate (and dont need to be high up the ladder).
 
Called them now on 087 577 7000 and requested it again, apparently its not something that they do via front-line support so they send an email and it should be done in 3-5 working days..
Let's see.
Someone from PW called today to do my upgrade, short pitch about the fact that I could get PW if I wanted to but thankfully they did not push the issue when I said I'll stick to Premier, kinda within the up to 5 working days time limit. Account now says Fusion Premier.
 
Went to FNB branch today to upgrade to Fusion, Wanted face to face interaction as opposed to telephonic...

I have the Premier account with no credit card so wanted to get fusion and then addon credit card for that extra saving. Started the application and system say I qualify for Fusion but only on Private Wealth... Offered me a good interest rate of 13.25%, My standard bank credit card is currently on 15%, so some savings. Consultant tried a few things to get me the Premier fusion but no win, system only offered Premier Wealth. I think FNB just wants to make more money from Fees as I'm not even close to minimum earnings for the Wealth option.

After some time, Consultant recommends I upgrade to the Wealth and next month downgrade to Premier Fusion. Will take a week for the downgrade but I will be on a Fusion plan, so did the upgrade. I previously had a credit card with FNB and for some reason the system didn't allow for a new application as that card was still reflecting on my profile but as settled. Hoping that will be removed in the next few days

Question is, When I downgrade from Wealth to Premier, Will my personalized interest rate remain the same?

Also has anyone encountered issues when downgrading? let me know your experience
 
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