Cumbersome, time and money wasting

My phone was ****** about a week ago out of office hours. I waited for about 30 minutes to speak to someone who advised me my entire profile had to be taken down and cards cancelled as I had my App on the phone. I was advised by the branch the next day that I should have been referred to Online banking who would have just de linked my App. I had to cancel 4 cards and re-order new ones, which costs around R125 per card and reinstate both my bank profiles...took me two days to do and I still do not have a credit card. Capitec on the other hand answered the phone straight away and de linked my App...What a pleasure!