Capitec refuses to use Credit Insurance to assist paying customers

I have lost my income due to the Covid-19 lockdown. I phoned Capitec Bank in March already because I knew as a self-employed freelance trainer I would not be getting an income during the lockdown.

I asked for payment relief on my loan and credit card, Capitec could only assist me on my loan and say they can't make arrangements for my credit card.

Then I submitted a Credit Insurance claim, because I pay it monthly, so the bank must be able to use that now.... But nooo.. they keep on telling me to ask my "employer" to claim UIF or I can do it myself if I pay UIF.

I am SELF-EMPLOYED and don't pay UIF for myself, I keep on telling the bank that an they keep on sending me the same response, ask your employer to assist you with UIF!!!!!!!

I offered to make a R10 payment towards my credit card, because that is what I can afford.... response that wouldn't be acceptable, a minimum payment of R550 must be made. So they don't even want to take the payments I can afford.

Now my credit card has been suspended, and the response to my emails stay the same... ask your employer to assist with UIF!!!

Why do we pay Credit Insurance then? what is that for if the bank refuses to use it if you really can't pay because you can't work or get a income during the lockdown?