Capitec credit card support is pathetic.

Capitec Bank deserves a 5 star review. They are simple and affordable. There are many great things about Capitec. However, they lose 4 stars because of their PATHETIC support towards my credit card.

I have not used the card in 6 months and have tried to close it 3 times now.

The first time, they put my card in a pending closing state for 40 days. There was an accidental transaction from my side which reactivated the account. That is on me. Fair enough.

For a second time I request that they close the account, I also ask that they stop the card and I cut up the card. No transaction can possibly happen on the account now. Except for bank fees which is subtracted every 30 days! Which means if the card is put in a 40 day pending closing state, it will ALWAYS reactivate when the bank fees trigger it.

For a third time now I have called to close the account and requested that it is immediately closed and not put in a 40 days pending state because the bank fees reactivate it. The consultant assures me that, even though he has no option than to put it in 40 days pending closing state, the account will this time close.

I call back 3 days later to make sure that the account is still in the "pending closing state" and I find out that it is still open. It was never put in a pending closing state.

For context, I called Discovery Bank to close my credit card and they closed it while we were on the call.

Capitec is pathetic.