Pathetic service and ******* inclusion of add-on credit life

I honestly think Capitec is winging it. Here's a detailed account of my experience at your Braamfontein branch on Jorrisen Street: - Get to branch at 12pm - wait in line for a credit card - get help. Lady goes away for 10 minutes to speak to a manager. I get told my payslip doesn't look like the others and that my bank statement (which Standard Bank provides stamped versions of via the app) is a transaction statement (it isn't). - Go re-print the same salary slip and pay for bank statements from an ATM. Arrive at 1:55pm. The lady helping me has to enter the same values into the system over and over again. The manager doesn't now how to deal with savings and investments debit orders. I'm told to wait 5 mins while she checks with the Credit team. 5 mins turns into half an hour. Eventually get a card at 3:20pm but they only have old card which expire in January 2020. That's 16 months from now. - Get an SMS at night saying I have credit insurance. This is the final straw. At no point during the 90 minute sign up process, where your staff went line by line through my bank statements, did anyone make mention of this. I did not ask for it, and I do not need it, so I shouldn't have to pay a premium for this. - I go to the branch this morning and the best the lady could do is shrug her shoulders. This upsets me as it amounts to theft and is in contravention of your FAIS license. Your manager tells me to calm down (don't tell me to calm down). I get told, after the fact, that if I didn't want it then I have to reduce my credit limit to R80,000. I ask them to do this, but the 'manager' says I need to start the whole credit application from scratch as they can't lower limits. When I instruct her to cancel the card, she becomes very rude and walks away in a huff and a puff. The consultant is more concerned with phoning head office to report that 'I called her names' (which I didn't) than she is with doing her job properly.

I am now out of pocket for R100 and the 2 hours it took to get the card.