Application for loan

My salary is paid into Capitec bank. I obtained financial assistance from Capitec bank before. I recently made an application for a loan from Capitec bank . I have an excellent credit record. This was taken into account in my application. My application was approved and I was shown the amount of approval. I was told that the problem was that I have other financial commitments which if consolidated, the approved amount cannot settle and there be something be left over for me. Therefore the problem was not affordability. I can easily afford the payments as I had been doing for the past year or so.<br> <br> Capitec must inform all its clients and potential clients that it does give out loans if a person has any other loan with another financial institution, regardless of an excellent credit record or affordability.<br> <br> Why does Capitec have to automatically want to consolidate other financial obligations even if a client does not want consilidation and without the consent of a client? This is very unfair and very disadvantaging.<br> <br> I had to go out of my own bank and obtain financial assistance from another bank, based on my excellent credit record.<br> <br> I have made a decision about Capitec