Not the bank I signed up with ten years ago.

This isn't going to be a complaint but simply a statement of fact. HelloPeter doesn't allow for zero out of five stars but given the situation, one star out of five is generous.

I have had an access facility with Capitec for over a year. I made my payments every month. Without fail. Some months I paid more than what was due. When I opened the facility, I indicated that my pay day was the 25th of every month but they wanted the payment on the 24th - this is when the "your account is in arrears SMS" would arrive.

After over a year, in the middle of this last month, they reward my consistent paying what is due and never missing a payment, by sending an SMS informing me that my credit limit is lowered.

This evening I did the usual payment and moments later, an SMS arrives informing that "payment was made and that my credit protection is now unpaid". True story. Word for word.

The absolute last straw.