Missing information and was misinformed

I was shocked of how must I was paying for my "credit card". Initially I came to the bank (tramshed) to apply for a credit card and I was assisted immediately, I was the advised to get both credit and access facilities. Me trusting the advisor and manager I continued. Then as time went on I kept wondering why is the bank charging me two interest payments instead of one, called the call center and they told me it's cz I have 2 credit facilities.

Fast forward, a year late went to the bank to get my phone app sorted and asked if they can assist lowering my interest payments. To my surprise all the credit and costs were not explained properly and the bank has been double charging me. Thank you to Thulisile Mnisi (God bless her) for explaining exactly how the capitec credit card works, my repayment were reduced by R2000.

Thuli deserves a 5 star but I gave the bank 3 cz of the assistance I received initially and lack of information that was given to me. Anyone who gets credit from capitec DON'T allow them to give you both "credit card" and access facility simultaneous, it's ridiculous!