Mixed feeling but they are worth a shot...

The branch in Paarl is has some very friendly service and the MyWorld account itself is actually one of the best savings accounts you can currently get, thats my opinion at least. The app still requires some improvements but is not too bad just a bit slow.

Let's get to the worst part though, applying for a credit card... A pure disaster if you ask me, i just thought it might be good to have a secondary credit card that i can leave with a positive balance since you get around 3% on your money per year.

At first year of birth was wrong so i kept on getting a "no offers could be generated", turns out the 01 on my ID reflected on their side as 1901 instead of 2001 so I was technically too old to qualify for a Credit card. After numerous phone calls they fixed it and i got a decent enough offer which looked like it got approved and I went to fetch my Card.

Apparently that was not the end, after getting the card they still had to do a final review and after 3 days of waiting with a useless piece of plastic in my wallet the application got declined LOL. This was the funniest thing i have ever seen normally when you get your card that's it, they wasted my time by letting me fetch a card in town which i had to throw away in the end. Turns out i got declined because they couldn't verify my employment, this was due to my place of work not having a landline number unfortunately they don't accept cell business numbers.

At this point I almost gave up but i thought let me go the branch and lets try to fix the problem. Had to reapply for credit card and get proof of employment from my boss, also a reason why there is not landline number on our premises ( there are no telephone cables due to the location which is sort of in the middle of the mountains why this has to be explained to a bank i really don't understand).

Have not got an outcome yet but let's see how it goes if i get declined again for any reason that i find unfair I am definitely closing my account. They have already added far too many unnecessary enquiries to my credit record due to their incompetence.