RP
Ruan P
1 reviews | Active since Oct 2018
21 Oct 2026, 11:06
Pathetic automated decline system
If I could I would rate this company 0 stars. Decided to try discovery bank. Need to upgrade my account to their minimum gold suite with a credit card. I want to use this to pay for fuel and my living expenses. I am a private client at ABSA. I have more than enough money in my account to afford this. But according to discovery no. They keep on declining me. I have sent bank statements etc showing that I have more than enough money. Someone phoned me and continuously said that the system says I don't qualify. After explaining and explaining again and again. So yeah, ***** this company. Moving everything over to a company that wants my business.
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Discovery Bank's replyOfficial
21 Oct 2026, 11:57Hi Ruan.
Thank you for taking the time to share your experience, and we're sorry to hear how frustrating this has been.
Credit applications are assessed using multiple factors and are not based solely on income or the funds available in an account. We understand that this can be disappointing, particularly when you believe you meet the qualifying requirements.
For more information regarding the outcome of your application, a decline letter is available in the Discovery Bank app. This letter provides further details on the factors that contributed to the decision. Should you require assistance in understanding the information contained in the letter, our Credit team will be happy to assist and explain the outcome. You can contact them on our toll-free number: ***.
We appreciate your feedback and understand that this was not the outcome you were hoping for. We sincerely apologize that your application was not successful at this time, and thank you for bringing your concerns to our attention, as this feedback helps us improve our processes and service.
Kind regards,
The Discovery Bank Team
Thank you for taking the time to share your experience, and we're sorry to hear how frustrating this has been.
Credit applications are assessed using multiple factors and are not based solely on income or the funds available in an account. We understand that this can be disappointing, particularly when you believe you meet the qualifying requirements.
For more information regarding the outcome of your application, a decline letter is available in the Discovery Bank app. This letter provides further details on the factors that contributed to the decision. Should you require assistance in understanding the information contained in the letter, our Credit team will be happy to assist and explain the outcome. You can contact them on our toll-free number: ***.
We appreciate your feedback and understand that this was not the outcome you were hoping for. We sincerely apologize that your application was not successful at this time, and thank you for bringing your concerns to our attention, as this feedback helps us improve our processes and service.
Kind regards,
The Discovery Bank Team
Discovery Bank's reply21 Oct 2026, 11:57
Official
Hi Ruan.
Thank you for taking the time to share your experience, and we're sorry to hear how frustrating this has been.
Credit applications are assessed using multiple factors and are not based solely on income or the funds available in an account. We understand that this can be disappointing, particularly when you believe you meet the qualifying requirements.
For more information regarding the outcome of your application, a decline letter is available in the Discovery Bank app. This letter provides further details on the factors that contributed to the decision. Should you require assistance in understanding the information contained in the letter, our Credit team will be happy to assist and explain the outcome. You can contact them on our toll-free number: ***.
We appreciate your feedback and understand that this was not the outcome you were hoping for. We sincerely apologize that your application was not successful at this time, and thank you for bringing your concerns to our attention, as this feedback helps us improve our processes and service.
Kind regards,
The Discovery Bank Team
Thank you for taking the time to share your experience, and we're sorry to hear how frustrating this has been.
Credit applications are assessed using multiple factors and are not based solely on income or the funds available in an account. We understand that this can be disappointing, particularly when you believe you meet the qualifying requirements.
For more information regarding the outcome of your application, a decline letter is available in the Discovery Bank app. This letter provides further details on the factors that contributed to the decision. Should you require assistance in understanding the information contained in the letter, our Credit team will be happy to assist and explain the outcome. You can contact them on our toll-free number: ***.
We appreciate your feedback and understand that this was not the outcome you were hoping for. We sincerely apologize that your application was not successful at this time, and thank you for bringing your concerns to our attention, as this feedback helps us improve our processes and service.
Kind regards,
The Discovery Bank Team