CN
Carl N
1 reviews | Active since Mar 2023
16 Mar 2023, 08:56
Credit declined without good reason
App**** for a credit card. As I am self-employed the bank asked for bank statements. They declined my application apparently notifying me via SMS (which I never received). Whoever did the credit check did not bother to engage with me on something which she/he clearly didn't understand, having been given a one line reason for being declined when I phoned in. I tried to apply again so that I can help them understand, but suddenly their system says only people who earn a salary can apply even though the website still gives criteria for self-employed individuals. What a debacle.
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Replies (3)
Capitec Bank's replyOfficial
16 Mar 2023, 10:44Good day Carl
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regardsCapitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regardsCapitec Bank
Capitec Bank's reply16 Mar 2023, 10:44
Official
Good day Carl
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regardsCapitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regardsCapitec Bank
CN
Carl N's updateReviewer Update
16 Mar 2023, 11:25Okay so 1 point to Capitec that they came back to me and tried their best to assist but at the end of the day, the reality is that they just don't understand what self-employment is and are totally and utterly ungeared for it. Essentially if you're self-employed you won't be able to get a credit card from them so don't bother trying.
CN
Carl N's update16 Mar 2023, 11:25
Reviewer Update
Okay so 1 point to Capitec that they came back to me and tried their best to assist but at the end of the day, the reality is that they just don't understand what self-employment is and are totally and utterly ungeared for it. Essentially if you're self-employed you won't be able to get a credit card from them so don't bother trying.
Capitec Bank's replyOfficial
17 Mar 2023, 10:58 Good day Carl
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards Capitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards Capitec Bank
Capitec Bank's reply17 Mar 2023, 10:58
Official
Good day Carl
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards Capitec Bank
Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.
Kind regards Capitec Bank