Please read this before opening an account with Capitec

I don't even know where to begin.

Let's start with empty promises: I app**** for a credit access facility based on the PROMISE I was given by a consultant at the Village At Horizon branch that my repayment behaviour would be recorded with ITC. It has been at least six months and not a single entry from Capitec.

The Access Facility: My pay day was the 24th with funds cleared by the 25th. I made this as clear as I could to the aforementioned consultant. Every month, without fail, come the 23rd, my facility is flagged as 'in arrears' and I am unable to access the facility.

Customer care: I won't go into the previous infuriating experiences I've had with their so-called Customer Care but today, I must share. I contacted them to change the pay date to the first. The first consultant that picked up the call didn't even give me time to talk and just forwarded me to the "Collections Department" where I was greeted with a voice recording that they're closed. Left hand / right hand seem to have a very serious communication problem. So I tried to call again. I explained what had just happened and was told I must try again on Monday.

Conclusion: I opened my Capitec account in 2012. I was extremely happy, consistently so, until they managed to destroy my loyalty and trust in them in less then three months. Also, and this is probably the most difficult and hardest thing to accept, what a lot of consultants don't realise is that there are some white people who do speak and understand more than one language and oh my word... ****** is ugly and I was the victim.