EB
Estelle B
1 reviews | Active since Jul 2011
01 Nov 2022, 12:50
Poor decision by Discovery Bank
I have been turned down by Discovery Bank for a Discovery Credit Card on the basis of insufficient income. This is despite the fact that I currently have a credit card which is paid in full by debit order every month. For certain reasons I wish to change to a Discovery CC, which I would continue to operate on the same basis. Discovery Bank need to revise their criteria.
Helpful (0)
Replies (5)0
Replies (5)
Discovery Bank's replyOfficial
01 Nov 2022, 14:02Hi Estelle
There should be an option for you to challenge the decision on the Discovery Bank app.
Please log in, and select the option to challenge.
Regards
AJ
There should be an option for you to challenge the decision on the Discovery Bank app.
Please log in, and select the option to challenge.
Regards
AJ
Discovery Bank's reply01 Nov 2022, 14:02
Official
Hi Estelle
There should be an option for you to challenge the decision on the Discovery Bank app.
Please log in, and select the option to challenge.
Regards
AJ
There should be an option for you to challenge the decision on the Discovery Bank app.
Please log in, and select the option to challenge.
Regards
AJ
EB
Estelle B's updateReviewer Update
01 Nov 2022, 15:37Oh, I have challenged and re-submitted documents but the answer is the same, declined again, because the algorithm that is being used clearly does not apply to me.
Using different criteria I clearly can manage a credit card, but Discovery won't use them.
Using different criteria I clearly can manage a credit card, but Discovery won't use them.
EB
Estelle B's update01 Nov 2022, 15:37
Reviewer Update
Oh, I have challenged and re-submitted documents but the answer is the same, declined again, because the algorithm that is being used clearly does not apply to me.
Using different criteria I clearly can manage a credit card, but Discovery won't use them.
Using different criteria I clearly can manage a credit card, but Discovery won't use them.
Discovery Bank's replyOfficial
03 Nov 2022, 08:50Sorry to hear that.
Unfortunately, this is the same process we use for all our potential clients before we can provide credit.
Unfortunately, this is the same process we use for all our potential clients before we can provide credit.
Discovery Bank's reply03 Nov 2022, 08:50
Official
Sorry to hear that.
Unfortunately, this is the same process we use for all our potential clients before we can provide credit.
Unfortunately, this is the same process we use for all our potential clients before we can provide credit.
EB
Estelle B's updateReviewer Update
03 Nov 2022, 17:19Well, it clearly is incorrect to use the same process for everyone. You depend on the applicant earning a salary.
I am a pensioner, no salary, a lot of investments and no debt. It would appear that Discovery is not interested in giving a credit card to rich pensioners.
All they have to do is to look at how my current credit card is used, paid in full by debit order every month.
My case should be passed on to your CEO to consider whether a different approach should not be used.
I look forward to receiving a CONSTRUCTIVE reply. In the meantime I will continue to use my present credit card.
I am a pensioner, no salary, a lot of investments and no debt. It would appear that Discovery is not interested in giving a credit card to rich pensioners.
All they have to do is to look at how my current credit card is used, paid in full by debit order every month.
My case should be passed on to your CEO to consider whether a different approach should not be used.
I look forward to receiving a CONSTRUCTIVE reply. In the meantime I will continue to use my present credit card.
EB
Estelle B's update03 Nov 2022, 17:19
Reviewer Update
Well, it clearly is incorrect to use the same process for everyone. You depend on the applicant earning a salary.
I am a pensioner, no salary, a lot of investments and no debt. It would appear that Discovery is not interested in giving a credit card to rich pensioners.
All they have to do is to look at how my current credit card is used, paid in full by debit order every month.
My case should be passed on to your CEO to consider whether a different approach should not be used.
I look forward to receiving a CONSTRUCTIVE reply. In the meantime I will continue to use my present credit card.
I am a pensioner, no salary, a lot of investments and no debt. It would appear that Discovery is not interested in giving a credit card to rich pensioners.
All they have to do is to look at how my current credit card is used, paid in full by debit order every month.
My case should be passed on to your CEO to consider whether a different approach should not be used.
I look forward to receiving a CONSTRUCTIVE reply. In the meantime I will continue to use my present credit card.
Discovery Bank's replyOfficial
04 Nov 2022, 09:46I'll speak to the Credit Department regarding your case and get back to you soon.
Discovery Bank's reply04 Nov 2022, 09:46
Official
I'll speak to the Credit Department regarding your case and get back to you soon.