The WORST EVER bank and customer service experience

Capitec is really a pathetic bank.. always month end there is problems. I was trying to pay with my card it says card declined. I then went to a ATM and it says insufficient funds. But there is money in my account! I literally had to look for someone so I can transfer that money to that person to pay for my things and still had to give this person a tip. I am so frustrated and annoyed with this bank and when you go into the bank they can't help and is full of attitude especially the one in golden acre there is one rude employee a male wearing glasses that is of no help. I went there for a new card and he literally sent me away said I need to go to another branch. Then why is there a branch there if they are sending people to the branch I adderley Street. I am really really disappointed in this bank