Capitec has a bad policy

Hi i also paid my account in full but yet Capitec has me on their records that i am handed over and i called ccs regarding this because i wanted to take out a credit card and it declined me due to their status showing that i am handed over yet CCS the credit something of Capitec told me that it will or can stay on my name for ever on their system how can that will be so Capitec punishes you for being young and stupid so they dont believe in a second chance or a person can change.