False advertising and poor service

I strongly wish these bank regulators will be harsh with the false adverting that these banks do, Capitec advertises on a daily basis that you can use your smartphone to apply for credit and when you do they make you communicate with them via what's up and they just leave you hanging, they never come back to you, no call nothing and when you call the call center they tell you to go to the branch really. Cheap bank = cheap service, this is pathetic really. Its been a week since I app**** for credit and nothing to date has been said