Credit Card Headache

Let me start off by saying, Wow.. I moved over to Capitec from Absa for simplicity purposes and it has been anything but when it comes to Credit Card applications.

I app**** for a card, upon acceptance I sent through all my documentation via Email. I was asked to re-send certain docs (that were already sent) - anyway I forwarded the requested docs through again. No response. Follow up? No response. Another follow up? No response. This continued for about four or five months with constant re-applying through the App and sending Emails until I decided to call in and ask why Capitec did not want my business.

The call center apologized and asked if I would be fine to take a call from them the following day to follow up. Guess what? That promise was never fulfilled either. I guess I wasted my own time during that mission, haha.

This morning, I requested a Credit Card yet again from Capitec for fun (since this is clearly a game). Capitec attempted to called me (miraculously) on three occasions. The first two calls were abruptly cut and I thought this is just pathetic. I then decided to start the process of ordering a card from Discovery. While I was busy ordering a Discovery card, the third call from Capitec came through and I was asked if "I WAS STILL INTERESTED".

Side note: When a customer requests the use of a product from a brand, that in itself is nothing but an indication of interest. After mentioning that I was in the process of ordering a Credit Card from another competitor, I was met with, "Oh okay, not a problem, bye" - zero effort from the call center to retain a customer who has an existing account with Capitec. Creating loyal customers is one of the most important factors a brand should concentrate on. In this case however..

I myself deal with new and existing customers on a daily basis, and I would never adopt the approach Capitec has taken towards consumers. Why? In fear of losing business, which is exactly what has happened. And I'm guessing I am not the only one thus far. I will also be looking at moving to Discovery bank sometime in the future and doing away with my Capitec account considering the experience I've had.

It's 2023. Customer service is NB. Capitec my friend, you have a long way to go..