In Sept 2008 I voluntarily returned my credit card to FNB card divison and made an arrangement (after much argument) to repay a minimum amount of R974.65 over the next 60 months. Whilst I was aware that they reserved the right to charge me maximum interest in terms of the NCA, I was not advised that this would be over and above the agreed amount. I have paid R975 every month as arranged yet have received statements requesting in excess of R1000 pm. After getting an SMS at 5 AM on 5 Oct advising me I was in arrears to the amount of R1081, I... read full review »