Capitec - Pathetic service

I have always had good feedback for Capitec and referred numerous people to move their banking to Capitec.

Unfortunately, today I am very disappointed and have lost trust in Capitec's call centre.

I app**** for a CC, which was declined. Now, I would have understood if this was reasonable; however, the feedback I received was "Sorry, ne. It is what it is."

The decline was based on the fact that I have a joint home loan, and even if Capitec can see that I do not pay for the home loan, and after I said that I can send the proof that I do not pay for this, my husband pays for the home loan. Capitec can even see on my debit orders that I do not pay for the home loan. Which was confirmed by your call center.

Now, my question is, how can you penalise me on affordability when I am not paying for something that you have added to my affordability criteria? So, according to your agents, no manual reviews or changes can be done. If this is the case, why not then replace all your staff with AI-generated systems?

Myself, my husband, and our kids are Capitec clients. Maybe it will be better for me to move all our accounts to another bank?

You are definitely not living up to "Its Banking Just Simpler"