Not to call centre banking...

[kaspaas]

http://www.fin24.co.za/articles/eco...px?Nav=ns&lvl2=econ&ArticleID=1518-25_2007891

For me, the fourth is probably the most important reason for not fiddling with your interest rate: that's the "call centre banking" that commercial banks are currently using. To phone one of those centres with the request to convert your current variable interest rate into a fixed rate would be, to say the least, a challenging experience.