Thanks I just checked and FNB have fsckd me! I've got 15500 pts which puts me on lvl 3. The reason I didn't get lvl 5 is they denied me the spend 10%-90% of your credit facility (3000pts). They did this by upping my credit limit (have it set to auto increase). That seems like a dodgy move by the bank, can I decrease it via the online portal and lock it to a certain amount?
Same **** is happening to me, also got 1000 instead of 4000. It's like they ware trying to screw us over and not getting the maximum level.
I have been banking with them for over 20 years but the last 3 months has changed my view on them 180 degrees!!!
I'm with you on that, I guessing we going to query this with FNB. I believe I spend 60% of my credit limit.
I have 15000 pts which is level 3. Was level 4 last month. Was expected to be on level 5 18k points exact.
Just one thing i noticed about Cash @ Till ...
I once went to a Checkers on the 30th of the month, bought stuff, and got Cash @ Till ... funds were reserved but not banked (..something about how the store banks their transactions or some other technical cowdung) by Checkers until the 2nd of the next month.
In this case, the date of the actual transaction is irrelevant... the RL points will apply to the date that shows on your transaction history, not the date that the transaction really occurred
I have so had it with FNB and their inability to consistently apply the new "simplified" eBucks rules! This month's (January 2015) RL (based on December 2014 spend) is the second month (after November RL based on October spend) that they have screwed me on the "use between 10% and 90% of your credit limit during a calendar month" and get 3000 points towards your RL... so I've been on 17000 points each of those months, just short of the 18000 needed for RL5. (I concede I got out of hand with my November spend, so agree I don't qualify for the 3000 points allocation that would have got me to RL5 in December 2014. But they owe me RL5 in both November 2014 and January 2015!).
With the launch of the new eBucks rules in October, it was the first time in all my many years as an FNB customer that I paid attention to the requirements and tried to make the reward system work in my favour. I track my budget using a financial tool which I download my transactions into through the month, so I know exactly what my spend was and that I was under 90% of my credit limit. I queried the non-allocation of points for October 2014 spend, and after getting told the same story about them having teething issues with the new rules implementation and assurance it would be sorted out, it is STILL with FNB Card division, who are giving me such useless feedback... they have ignored repeated requests for a detailed breakdown proving how they arrived at me using over 90%, when I have sent them a breakdown using their own transaction data to arrive at my figure below 90% - and I even went so far as to manually check 2 months of statements overlapping the calendar month in question to confirm if it matches the online amounts each date (and yes, it is an exact match).
But what do they tell me as the reason that's supposed to make me accept and give in? They give me a high level monthly spend figure (instead of transaction level detail to support their figure) with the line, and I quote, "Please note we use the date the transaction was posted in other words the date the transaction clears and not the purhcase date".
So what does that mean? Can I not trust that the credit card account transaction dates that I see online and download for financial tracking are accurate? I know my cheque account transactions reflect online as per this timing statement (i.e. transaction date shown online is a couple of days later on average than the actual purchase date), but my credit card transactions always reflected with the same transaction date as the purchase date (albeit that the transaction detail only shows up a couple of days later online than the purchase date). So does this little timing statement from FNB Card basically mean we as customers have no way of accurately tracking what our calendar month credit spend is (since we can't trust that the transaction date on their site is accurate and usable for the purposes of their reward system), and that we thus have no way of proving we were within 10% and 90% of our credit limits? Or was this particular FNB consultant just wrong? I'll tell you what, it really does feel like FNB are trying their best to short change some of us who are close to (but within) the limits of their eBucks rules.
To be honest, the points and rewards don't mean anywhere as much to me as being able to trust in the integrity of FNB's transaction data made available to me, and then further that I can apply their own reward system rules in an accurate and transparent manner and KNOW where I stand. I've escalated beyond my premier banker and the card division to their complaints department (who I understand reply to hellopeter complaints), and since last week am still awaiting a response.
If anyone (who has had the patience to read this long rant) knows of the best communication avenue to take to get a considered response from FNB, please let me know.
