Capitec Credit Card - Need account closure with immediate affect.

Capitec is forcing clients to keep credit card accounts open. I had requested a settlement letter with the full outstanding balance on my credit card from Lukhanyo on Friday, the 19th of September, so that I could pay it off, and thereafter close the credit card account. I paid the amount stipulated, which was R6015.15 as on the settlement letter. Then on Monday, the 22nd of September, I spoke to Samantha V. She told me that the account is marked for closure and that I mustn't log into the credit card account. Then Tuesday, the 23rd of September, I followed up, because the amount was still available in the credit card section and no paid up letter has been sent. I spoke to Bridgette on the 23rd of September and she told me that there is an amount of R32.00 outstanding, so I paid that and requested paid up letter and full closure of the account. Today I went into the account again and I see that it hasn't been done. I spoke to Sean now, who finally closed the account, but he says that I have to wait 45 days for the account to be closed. Then says I will have to wait 45 days for the account to be closed and to get a letter. My question is why? Capitec issued a settlement figure, the full amount was paid. Why is capitec refusing to close off the credit card? Is this a tactic to used to maybe entice the client to use the credit card again. Now as a client I am forced to have a credit card with capitec which as a client I don't need or want. Sean just mentioned that this is the process that needs to be followed and said that I won't be able to use the account. Even with other resolving debt, they close these accounts immediately after full payment has been done and they can see the payment which usually takes 48 hours. I feel they need to close this account immediately as I have fulfilled my obligation of paying it, it is affecting my credit score and what stops them from telling me in a month's time that I need to pay another R32 or even more. This is insane. I also have a shopping problem, so keeping this card open, is madness. I also want to mention that Sean was the one that really marked it for closure, and I got a notification of that, thank you, Sean.