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IF i could i would give them even worse score. I have been on hold for about 2 hours today just to close my credit card. first hour was in a brance with 0% resolve. And on top of all, the moment I want to close a personal loan sooner I get fined almost R 1000 just because I am paying my debt of sooner. This is one of the reasons why left Standard ******* bank. worst bank when it comes to this.