PN
Pranell N
1 reviews | Active since Jul 2018
30 May 2023, 12:39
Do not apply for Credit at Capitec!
App**** for a credit card in Mid-April, Capitec has requested necessary documents which were all sent immediately when requested. To date, they have resubmitted the application SIX times because they let the application expire due to them NOT uploading the documents timeously. Had to continuously phone THEM to follow up as they do not provide you with ANY feedback. Having banked with them for 9 years only to receive the absolute worst service ever is really just disgusting. Would not suggest applying for credit at this bank!!!
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Replies (2)
Capitec Bank's replyOfficial
30 May 2023, 13:57 Good day Pranell
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 reply30 May 2023, 13:57
Official
Good day Pranell
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
PN
Pranell N's updateReviewer Update
05 Jun 2023, 12:20Hi Capitec.
Note that your agent did contact me but was not very helpful. Following this phone call with Capitec, I decided to apply at another bank - I app**** on Thursday and my application was processed by this morning ... That is literally 72 working hours compared to the 60 days with Capitec Bank - AND I DO NOT EVEN BANK WITH THEM.
Perhaps you should take tips from this other bank - they made ONE agent deal with me, who went through the application, sent me an email to obtain my documents and thereafter submitted my documents and kept me in the loop the entire time. With Capitec - each time you call in, you are required to speak to a different agent and explain your entire life story in a continuous cycle which drags the process out completely.
I have banked with Capitec for 9 years and honestly, your application process is tedious, your requirements are absurd and quite frankly you do not have a proper process in place to assist with applications - I had sent my documents to ONE agent at the other bank ONCE - I had sent my documents to you guys at least 5 or 6 times and still did not receive a positive outcome because your agents are extremely slow with processing and capturing, they let the application expire and thereafter tell you they will submit the application for you again, which impacts your credit score negatively as I've ended up with 6 different enquiries on my name for something that should have only happened ONCE.
Will definitely be changing banks as I have never in my entire life had to endure such poor service from a bank before.
Note that your agent did contact me but was not very helpful. Following this phone call with Capitec, I decided to apply at another bank - I app**** on Thursday and my application was processed by this morning ... That is literally 72 working hours compared to the 60 days with Capitec Bank - AND I DO NOT EVEN BANK WITH THEM.
Perhaps you should take tips from this other bank - they made ONE agent deal with me, who went through the application, sent me an email to obtain my documents and thereafter submitted my documents and kept me in the loop the entire time. With Capitec - each time you call in, you are required to speak to a different agent and explain your entire life story in a continuous cycle which drags the process out completely.
I have banked with Capitec for 9 years and honestly, your application process is tedious, your requirements are absurd and quite frankly you do not have a proper process in place to assist with applications - I had sent my documents to ONE agent at the other bank ONCE - I had sent my documents to you guys at least 5 or 6 times and still did not receive a positive outcome because your agents are extremely slow with processing and capturing, they let the application expire and thereafter tell you they will submit the application for you again, which impacts your credit score negatively as I've ended up with 6 different enquiries on my name for something that should have only happened ONCE.
Will definitely be changing banks as I have never in my entire life had to endure such poor service from a bank before.
PN
Pranell N's update05 Jun 2023, 12:20
Reviewer Update
Hi Capitec.
Note that your agent did contact me but was not very helpful. Following this phone call with Capitec, I decided to apply at another bank - I app**** on Thursday and my application was processed by this morning ... That is literally 72 working hours compared to the 60 days with Capitec Bank - AND I DO NOT EVEN BANK WITH THEM.
Perhaps you should take tips from this other bank - they made ONE agent deal with me, who went through the application, sent me an email to obtain my documents and thereafter submitted my documents and kept me in the loop the entire time. With Capitec - each time you call in, you are required to speak to a different agent and explain your entire life story in a continuous cycle which drags the process out completely.
I have banked with Capitec for 9 years and honestly, your application process is tedious, your requirements are absurd and quite frankly you do not have a proper process in place to assist with applications - I had sent my documents to ONE agent at the other bank ONCE - I had sent my documents to you guys at least 5 or 6 times and still did not receive a positive outcome because your agents are extremely slow with processing and capturing, they let the application expire and thereafter tell you they will submit the application for you again, which impacts your credit score negatively as I've ended up with 6 different enquiries on my name for something that should have only happened ONCE.
Will definitely be changing banks as I have never in my entire life had to endure such poor service from a bank before.
Note that your agent did contact me but was not very helpful. Following this phone call with Capitec, I decided to apply at another bank - I app**** on Thursday and my application was processed by this morning ... That is literally 72 working hours compared to the 60 days with Capitec Bank - AND I DO NOT EVEN BANK WITH THEM.
Perhaps you should take tips from this other bank - they made ONE agent deal with me, who went through the application, sent me an email to obtain my documents and thereafter submitted my documents and kept me in the loop the entire time. With Capitec - each time you call in, you are required to speak to a different agent and explain your entire life story in a continuous cycle which drags the process out completely.
I have banked with Capitec for 9 years and honestly, your application process is tedious, your requirements are absurd and quite frankly you do not have a proper process in place to assist with applications - I had sent my documents to ONE agent at the other bank ONCE - I had sent my documents to you guys at least 5 or 6 times and still did not receive a positive outcome because your agents are extremely slow with processing and capturing, they let the application expire and thereafter tell you they will submit the application for you again, which impacts your credit score negatively as I've ended up with 6 different enquiries on my name for something that should have only happened ONCE.
Will definitely be changing banks as I have never in my entire life had to endure such poor service from a bank before.