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Zeena Z

1 reviews | Active since Aug 2016

11 Sept 2020, 13:56

Credit card declined and no mention of waiting 42 days to reapply

I app**** for a credit card online on the 27th of August, which was declined, so the online system stated that I need to go to a branch or call a number for further assistance. I got busy and then I decided to go to the Secunda branch yesterday 10 September to reapply with the correct information, as there are stuff on my credit bureau that are cancelled and that my husband pays and I don't pay, only to find out after 40 minutes that it is again declined, but due to credit policy. the consultant didn't know what the decline reason meant so she gave me the number *** to contact. when I contacted it, I spoke to Ule Magale who informed me that the decline reason is because I app**** online on the 27th of August and was supposed to wait 42 days before I could apply again. this was not mentioned online when I did the first application, and when I told the consultant at the branch this, she wasn't even aware that there was a waiting period of 42 days if the application was declined before a person can reapply. Ule then told me that I have to again wait 42 days from yesterday. this is unacceptable and why does the internet state that I must call a number or go to the branch for further assistance, if I actually have to wait 42 days, but this is not mentioned online. I have an excellent credit record and can afford the credit card and I can't wait 42 days to reapply, so I want to know what African Bank can do to assist me. I opened a savings account at African bank and am looking to come over to African Bank, but it all depends on my credit card application and African Bank's willingness to assist me.

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Replies (1)
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Zeena Z's update14 Sept 2020, 11:25
Reviewer Update
Still no response from African Bank? Very poor.