AS
Andrea S
1 reviews | Active since Apr 2019
26 Apr 2022, 08:14
Discovery lacks client awareness
I app**** for a Discovery credit card and was declined.
I have spent on average R5000 a month on Discovery products since 2015.
I cannot benefit from owning the card which I want for saving not spending. The biggest savings with Discovery only come with having the full range of products.
They didn't even have the decency to contact me personally. They could have offered me a card with a low credit limit. I have no debt and all my bills are paid on time.
If I can't afford a card why do I have weekly spam calls from Discovery trying to sell me satellite products?
I see no point in paying for a handful of products when I am denied full benefits.
Canceling all my products. Thank you for your personal service Discovery.
Helpful (0)
Replies (6)0
Replies (6)
Discovery Bank's replyOfficial
26 Apr 2022, 08:33Good day Andrea
Thank you for reaching out.
I'm sorry that your application got declined and if you want I can have a look at the decline reason.
Kind regards
Nicolene
Thank you for reaching out.
I'm sorry that your application got declined and if you want I can have a look at the decline reason.
Kind regards
Nicolene
Discovery Bank's reply26 Apr 2022, 08:33
Official
Good day Andrea
Thank you for reaching out.
I'm sorry that your application got declined and if you want I can have a look at the decline reason.
Kind regards
Nicolene
Thank you for reaching out.
I'm sorry that your application got declined and if you want I can have a look at the decline reason.
Kind regards
Nicolene
AS
Andrea S's updateReviewer Update
26 Apr 2022, 08:45Hi Nicolene. As I said I wanted the card for the benefits. I would have been satisfied with a low limit credit card. I was upset that Discovery made no effort to contact me and suggest any solutions. Please look at this application and advise.
AS
Andrea S's update26 Apr 2022, 08:45
Reviewer Update
Hi Nicolene. As I said I wanted the card for the benefits. I would have been satisfied with a low limit credit card. I was upset that Discovery made no effort to contact me and suggest any solutions. Please look at this application and advise.
Discovery Bank's replyOfficial
26 Apr 2022, 08:47I'd be happy to assist.
You can DM us your ID number to gain access to your application.
Kind regards
Nicolene
You can DM us your ID number to gain access to your application.
Kind regards
Nicolene
Discovery Bank's reply26 Apr 2022, 08:47
Official
I'd be happy to assist.
You can DM us your ID number to gain access to your application.
Kind regards
Nicolene
You can DM us your ID number to gain access to your application.
Kind regards
Nicolene
Discovery Bank's replyOfficial
26 Apr 2022, 10:06Thank you for sharing your details.
Your application got declined due to affordability, your disposable income is to low as well as your product limit.
I'm sorry that you didn't receive the outcome you wanted but it is important to remember that Discovery Bank is doing thing differently from other banks.
The goal is not to give as much credit as possible and receive all of the interest when funds cannot be paid back, Discovery Bank is all about healthy spending habits and protecting our clients.
When we say that your credit card application is declined due to affordability, it's all about being able to pay additional debt off comfortably.
Kind regards
Nicolene
Your application got declined due to affordability, your disposable income is to low as well as your product limit.
I'm sorry that you didn't receive the outcome you wanted but it is important to remember that Discovery Bank is doing thing differently from other banks.
The goal is not to give as much credit as possible and receive all of the interest when funds cannot be paid back, Discovery Bank is all about healthy spending habits and protecting our clients.
When we say that your credit card application is declined due to affordability, it's all about being able to pay additional debt off comfortably.
Kind regards
Nicolene
Discovery Bank's reply26 Apr 2022, 10:06
Official
Thank you for sharing your details.
Your application got declined due to affordability, your disposable income is to low as well as your product limit.
I'm sorry that you didn't receive the outcome you wanted but it is important to remember that Discovery Bank is doing thing differently from other banks.
The goal is not to give as much credit as possible and receive all of the interest when funds cannot be paid back, Discovery Bank is all about healthy spending habits and protecting our clients.
When we say that your credit card application is declined due to affordability, it's all about being able to pay additional debt off comfortably.
Kind regards
Nicolene
Your application got declined due to affordability, your disposable income is to low as well as your product limit.
I'm sorry that you didn't receive the outcome you wanted but it is important to remember that Discovery Bank is doing thing differently from other banks.
The goal is not to give as much credit as possible and receive all of the interest when funds cannot be paid back, Discovery Bank is all about healthy spending habits and protecting our clients.
When we say that your credit card application is declined due to affordability, it's all about being able to pay additional debt off comfortably.
Kind regards
Nicolene
AS
Andrea S's updateReviewer Update
26 Apr 2022, 10:50Thank you for that Discovery. I own 3 properties and a car. All paid off. Still I am not considered capable of paying off debt, and my product limit is too low whatever that means. Yet again a form based response. No personal contact, no alternative solutions. It is not in my best interests to fork out money every month to a company that simply does not provide me with the service I need. Based on your findings I clearly cannot afford the R6320 in premiums I am paying every month. I will make alternative arrangements.
AS
Andrea S's update26 Apr 2022, 10:50
Reviewer Update
Thank you for that Discovery. I own 3 properties and a car. All paid off. Still I am not considered capable of paying off debt, and my product limit is too low whatever that means. Yet again a form based response. No personal contact, no alternative solutions. It is not in my best interests to fork out money every month to a company that simply does not provide me with the service I need. Based on your findings I clearly cannot afford the R6320 in premiums I am paying every month. I will make alternative arrangements.
Discovery Bank's replyOfficial
29 Apr 2022, 09:12Good day Andrea
If you'd like I can arrange for our Credit Team to get in touch if you'd like more information on your declined application.
Kind regards
Nicolene
If you'd like I can arrange for our Credit Team to get in touch if you'd like more information on your declined application.
Kind regards
Nicolene
Discovery Bank's reply29 Apr 2022, 09:12
Official
Good day Andrea
If you'd like I can arrange for our Credit Team to get in touch if you'd like more information on your declined application.
Kind regards
Nicolene
If you'd like I can arrange for our Credit Team to get in touch if you'd like more information on your declined application.
Kind regards
Nicolene