Poor service

Hello my name is Demain Ruiters and I am writing this review hoping that Capitec will respond to this complaint.I have been a Capitec client for many years.I had a Credit card with Capitec which I paid up but I am paying a R35 admin fee for a credit card which I cannot use at all.I called the customer care centre and they could not assist me only because my email address is not the same as my current one.Do you know how frustrating it is to be told that I have to go into the bank for something so simple.Why do they have a customer care line when I am forced to go into one of their branches.The security questions I failed stops them from assisting me? How ridiculous is that.I also had a query regarding airtime I purchased via their app and I did not receive my airtime of R33 but they are so quick to debit my savings account.This is unacceptable.I will be closing all my accounts with Capitec and moving over to a bank that knows the true value of customer service.VERY PATHETIC!!!