******

Hi

I have been nothing but loyal to the bank and have been paying you on time over R100 000. I did not want a loan but a Credit Card for about R10 000 which the bank thinks I am a high risk. The bank is willing to approve me for almost R100 000 again but think I will not pay back R10 000, how does that make sense? What makes you think that I will not pay back R10 000 but will pay back R100 000?

I am left with 4 installments that amount to R24 000 with an interest rate of 24.50% and the bank wants to offer me a loan again and now with an interest rate of 27%, are you guys out of your mind!

I will not qualify for my home loan should I take up the R87 000 and with a repayment of R75 000 over 15 months, is this Capitec's strategy to keep you in bondage? This is how I ended up owing Capitec R121 203.14 and I will not make the same mistake again, a personal loan is not the solution period.

I want a Credit Card with a limit of only R10 000 and will probably have repayment of R300 versus your R7500 repayment and that is my request.