Credit Card facility process incompetences & inadequate training of consultants

Good day,

I am lodging a complaint against your online service process application of a credit card. The complaint lodged on behalf of my husband as a faithful client of Capitec Bank for years.

My husband, Anwar Mohammed Arumugam, is born and raised in Richards’ Bay in South Africa and a South African citizen. Him having a neutral South African accent indicates the diversity of our rainbow nation and he should not have been discriminated in establishing as a client if he is working in Saudi Arabia or a Saudi national applying for a credit card??

My husband began the online credit card application a few days prior travelling home to Cape Town , South Africa. He thaught as advertised the process is fast, efficient & had a TAT of a few days, not almost two weeks of *********** consistent requirements!!

There are many questionable requirements and miscommunication between ur consultants as what is required for their own South African client working abroad.

Anwar has provided and submitted his work contract, his South African id details, his proof of income too yet with all these basic submissions further unnecessary requirements. Firstly, he was declined outright without any proper reasons provided. We both are aware that my husband, doesn’t have any debit or credit which possibly pose a higher risk BUT he is applying for a credit card.

Remember all these requirements were requested AFTER the fact of him submitting the most basic requirements documents. After many calls from Capitec, inconsistent requests it’s now said before he is leaving to return working in Saudi Arabia he needs to present his Visa etc ??

Wait?? Is this an application for a policy for insurance or a Credit card?

I told my husband let’s go to FNB as I never experienced any hassles like this for just an application for a credit card! Guess what after a day it’s in the process without these ridiculous requirements from Capitec. He has been & always been a loyal customer for FNB, let alone Capitec!!

I am an Underwriter & Capitec’s numerous changes for requirements just for a credit card sounds like more underwriting requirements for a death, disability or sickness benefits??

One of your consultants even told him” there is a war in the Middle East” therefor need these requirements???

Are you insane for a credit card facility application !!! For a South African citizen !!!

Ease of business with FNB rated 12/10 !! Within a few hours walkin at Canal Walk. Capitec online credit card facility ease of business suck big time!!

Be consistent upon requirements and requests!! Have competent consultants online or who calls sure of requirements and the process!!! Freaking over 9 days getting absolutely no where with Capitec!

Regards,

Wahieda van der Schyff - Arumugam on behalf of Anwar Mohammed Arumugam Both loyal clients’ of FNB & Capitec for years

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