Blocked all my debit and credit cards.

Not reliable. Can't access my own money..

The bank sent me a message saying I exceeded my international limit, please visit a branch. I was planning for my oversees trip, so I went to the branch beforehand to make sure everything is sorted before I leave.

The branch made few calls, then they said it's all sorted you can use your cards normally now.

First incident, I am at the airport after I had my food, both debit and credit cards didn't work.. Had to go through a lot of hassle to pay cash (I paid 100$ and got the change in another currency so had to do a conversion at the airport and paid fees for that). I immediately contacted the bank, asked them what's wrong, still they said you have exceeded your limits and I need to go to the branch again, I told them but I have went to the branch as you told me? Then they said I have fixed it for you. I tried again and the problem still happens. Tried to do multiple international calls and they keep me on hold for long time and eventually just hand up!

I eventually run out of cash since I had a lot of expenses and re**** on the cards for the most part, was put in very inconvenient situations and had to borrow money from people. This is just embarrassing specially because I am not even trying to use the credit card, but it's my own money in my cheque account and I can't access that.

Now I am still oversees, I have an upcoming payment for R35,000 Rands on my credit card and I am still not sure how I will sort this out! I contacted the bank too many times (very unprofessional and helpless bankers on the app that usually end the chat immediately or just ask you to go to branch) Last thing was a complaint I made but I still haven't heard back on that.

Another issue that might explain how bad customer support is. The bank didn't deduct the auto payment to my credit card automatically (because the system was down). I contacted them and they said don't manually make the payment to avoid a double payment. Then they decided to charge me interest for that. I logged a case with them, no one ever followed back with me. I had to keep asking all the time, until one day after a month or two, they said the case was closed, and they CC'ed the agent that close the ticket to give me an update. Needless to say that I have followed up on that email for a month asking for the two guys in the email to respond to me and they just found it fun to ignore me. Just very unprofessional.

I am just saying don't waste your time and energy with this bank, you will end up begging for your own money, no real customer support, and unexperienced bankers (even in the branch). It's just not worths it...

I am eventually going to get my money from this bank and close all these cards for good, but I will share my experience with everyone so that others don't have to go through that.