Is Capitec over valued on JSE?

I app**** for a credit card on Friday 20 Aug. I was advised that I qualify for credit subject to providing my 3 months bank statements and a statement of my investment in my living annuity. On Saturday 21 Aug these were emailed to the Shellybeach Branch for attention of Kholeka. On Tuesday 24 Aug I called at the branch. I was advised that Kholeka would be attending to my application. After waiting 1 hour I left. Today, 25 August at 12.25, I returned to the branch and was seen by one of their consultants. Again we went through the process and I was advised that I would need the documents emailed on 21st. Their email was down so I had to go to Postnet to have the documents printed. Returned to the branch with the documents. Then it was a question of getting calculations done based on the information supp**** on my Living Annuity. After inordinate delays and disappearance of the consultant I was advised that further documentation is required. After spending 2 hours I left. This bank is a *****