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<p>I receive a sms from Capitec to inform me that my Card is expiring and that I must visit a branch to get a new card. They want to charge me R53 for the replacement card. I did not lose my card. They want to replace it because it's 5 years old. No go! I never asked fora replacement. I have accounts with 2 other banks and when they want to replace my card, it is free. NO CHARGE. Before you say your monthly fees are less, I dont pay monthly fees with other bank. You just lost a client. I will be closing this account.</p>