Snyper, I'm seeing now where you are misinterpreting. See bolded below:
The fusion credit faculty is an overdraft...
It's literally potato potatoe tomato tomatoe
Also works the same as one. The moment you are in credit and swipe no issue but to draw cash from an atm or eft instant interest
Sure, but that wasn't the question.
/snip
2. FNB informed me that if I want to move over to Fusion then I would first have to open a overdraft facility and then they will move me over? Cant move if i have only cheque and credit card active. This does not make sense as an "credit facility" is opened when you move to fusion.
OP's logic was sound and is based on what you just said. A credit facility works the same way, so it would be silly to have to open an overdraft
FIRST. That is what he was enquiring about and what I was responding to. No need for two separate credit checks. Just go straight from no overdraft to fusion. It's simply untrue that you have to have the one to get the other. Maybe you already had an overdraft when you switched? I didn't, so I know that what he was told was rubbish.
Anyway, he doubled down on the question when he messaged you again to clarify :
Let me rephrase, they said i mist first open an OD and once I have an OD then only could I apply for fusion.
Again you told him that was correct. It isn't. He does not need an overdraft first. That was the crux of his question and others who get told the same thing and switch to fusion for eBucks can save themselves an unnecessary extra ding on their credit records by ignoring the incorrect information given by FNB staff. That's what is so great about this thread : we learn how to maximize eBucks without compromising our finances. Credit enquiries are a part of that.
TL;DR You do NOT need an overdraft to get a fusion account. Skip the unnecessary step, you'll still get the credit facility. Them being the "same thing" is irrelevant, the information is incorrect.
Edit: sorry for hijacking the thread guys, I hope OPs question has been answered