If you have a first bank Card and about to use same on an ATM or POS pray that it is not declined because it will take almost a month if you ever get reversal their plartforms have become so terrible that CBN needs to come to the aid of Nigerians

If you are unlucky like I was to use them for airtime , and other Mobile transactions you might have to wait for eternity to get refunds.

My honest advise to hardworking Nigerians who don't want to lose their money to banks who are already ripping us off is avoid first bank for online business for now except you have money to donate to them