Capitec scan bank

Incident: *** I have an access facility with Capitec that was originally R100 000.00 over a 48 months term

And in Feb 2025, I credited R60 000 and reduced the limit to R40 000.00, I then reduced the term to 38 months so I can pay a higher instalment to finish the loan quickly.

In April the normal They forced a reduction on my limit from R40 000 to R38 400.00 this was done before the interest is added month end.

Currently my outstanding balance is R38 491 which is exceeding my new limit thus affecting my credit score.

I called to explain they said since I bought a new car and got a Mr price account that's what triggered my limit reduction.

Which I am okay with, my point of paying more is to finish the loan quickly.

My concern is when the interest is added on the 30th of April 2025. My outstanding balance will be R39 208 which will make my outstanding balance over my new limit by R808 and this will have a big impact on my credit score.

They call it a system reduction which is a stupid excuse according to me.