Capitec a disgrace to banking - change bank

I have no doubt Capitec have expertise and operational problems Last issue it was the selfie nonsense that would not allow me to pay my staff and my panel beater - now trying to make an online purchase with Sunswop for only R600 using my credit card and it would not allow the payment to go through despite there being ample funds available both on my credit card limit and my savings account- and despite having online limit of R4000 on my credit card. In disbelief I asked Sunswop to enter the card 4 times and for 4 times it failed. On top of this Capitec have debited me R1 for each failed attempted R600 transaction when the limit was set at R4000!!! This is outrageous and and in my view represents a *****ulent extraction of clients money by Capitec - of which i will be approaching the Ombudsman if i don't get full clarity from Capitec bank - very bad banking i request a full refund from Capitec in this regard If Capitec want our money they just have to ask and i will personally donate R10 for starters - and with all the other anticipated donors they could maybe make some honest money and get someone to run their systems properly Then I phoned client services - aside of the fact that you cannot hear the Capitec agent for the noise in then background ( sounds like you are at a football match) the agent could not assist me and did not even know that the selfie nonsense was discontinued ( at least on my phone). So i eventually paid with my Absa credit card - straight through- first attempt Imagine if your overseas - have money in your Capitec accounts - and cannot pay using your credit card or savings Absolutely diabolical Its a hassle to change a bank but Im getting very close and advise the public to be aware of Capitec as i see a general degradation in the banks operating procedures- which is not a good sign - I think we are heading to the previous African Bank status- Be AWARE - and dont have too much savings in this bank as i fear the worst...