Capitec ...extremely high charges and not a good bank

Hello Peter...please assist...I open a Capitec credit card and easy access loan recently at Capitec..I noticed that Capitec amends the agreeded amounts without prior notice or warnings ...Capitec drops the credit limit this not allowing me to use when I need the funds in emergency ..also Capitec charges alot of insurances for these items which add up to about R1200 a month ...I would like to take my insurance privately which is way less and cheaper ... Name: Darrel Pillay Main *** Cell: ***

Regards