Capitec Bank Ltd breach of credit agreement

Avoid opening a credit account with Capitec Bank at all costs. They attracted me with decent credit interest rates, but they are completely ignoring my request to close the credit account. They are breaching clause 21 of the credit agreement between Capitec Bank Ltd and myself, and I have now closed the credit card for suspected *****, and I have forwarded the email thread (Incident# ***) to the Ombudsman for Banking Services South Africa. Be weary with Capitec. They will open your account easily, but won't close it, and they'll take R50 each month only to damage your credit rating!