Dishonest practices

I received new cards in December 2022, I don't often use my cards because i mostly do online shopping and eft transfers, lately both my savings account and credit card have been experiencing chip errors when doing a transaction in stores happening to my husband as well, I went into the blue route Mall Tokai Capitec office and was told that I would need a card replacement at my own cost.... This is absolutely absurd, shocking and daylight ******* from this bank, as a loyal client I know consider closing this account.