Capitec's disguised con for R1 and...

I have just been duped yet again by Capitec Bank - and yet another R1 for exceeding my apparently self allocated limit - deducted from my savings account This may seem a simple thing but actually its quite complicated and i have no doubt that Capitec Bank makes millions out of this ploy from its customers They offer you two choices on the App on you card limits 1. Credit daily limits and 2. Debit daily limits. - and an on / off button I still to this day do not understand how this Mumbo Jumbo works but i only have 6 year University record so clearly not enough. If you change you credit daily limits to 1million and don't do something on your Debit daily limits as well - and even though you may have over R50000 in your savings account and you want to do a credit card transaction for R5- your transaction is declined and they debit you R1 from your savings account for exceeding the limit on your credit card - go figure What an unbelievable disguised con to get R1 out of their customers and Im sure their must be millions of people who don't have an education or capability like myself to comprehend this drivel but end up paying this ridiculous R1 fee despite having money in their accounts This has to be the most extraordinarily complicated set of affairs that Capitec makes millions from and that you do not find with other banks I really think this is a top well disguised con and the ombudsman should investigate further So much for "we are here for the poor people of the SA drivel they push out" - yes but at a price. Absolute disguised con at the very worst level And lets not even get into their Debicheck story where they just debit your savings account to pay off your already paid up credit card . I still have not had an answer on this after spending over 1 hour in the bank. Capitec is not above board that's for sure - watch your Capitec accounts - they will unfairly fiddle in your accounts without your consent and take your hard earned money for no good reason