Credit Offer Unfair Despite Improved Credit Score

I’ve been a loyal Capitec client and have consistently worked to improve my credit score over the past few months. Despite this, the credit amount I’m offered (R7 107) has not changed at all.

It is extremely frustrating and disappointing that my improved credit profile has not been acknowledged in any way. It seems unfair that a better credit score does not result in a better offer — especially when Capitec advertises that your credit profile affects your offer.

I have contacted the bank and requested a review and reconsideration of my credit offer, but have received no helpful explanation or adjustment.

I respectfully request that Capitec reviews my profile again and updates the credit offer to reflect my current financial standing. I’d appreciate feedback and transparency on how these amounts are calculated.

Capitec, please do better for loyal clients who are financially responsible.