LZ
Lucy Z

1 reviews | Active since Dec 2012

11 Nov 2024, 06:15

R300 CREDIT LIMIT

Good day,

'm writing to express my disappointment and surprise at the lack of recognition for my exceptional payment history and responsible cardholdership. Despite my consistent efforts to demonstrate my creditworthiness, I've been denied a credit limit increase without a clear explanation.

I believe my track record speaks for itself:

- Consistent twice-weekly payments - Low utilization ratio - Excellent credit score

I expect a higher level of service and recognition for my loyalty and responsible behavior. I would appreciate it if you could review my request and consider my credit limit increase. I'm confident that my financial prudence and commitment to responsible cardholdership warrant a more favorable decision.

I look forward to a prompt response and a resolution that acknowledges my creditworthiness and supports my financial needs. I hope we can resolve this matter amicably and continue our positive relationship."

Regards Lucille

0
Replies (2)
Discovery Bank
Discovery Bank's reply11 Nov 2024, 13:33
Official
Hi Lucy 

Thanks for reaching out to us. 

Our records indicate that your application has been declined due to affordability.

A detailed letter outlining the reasons for this decision has been sent to you. 

If you believe there has been an error or if you would like to provide additional proof of income, please feel free to reapply on the Banking app.

Kindly note that all credit applications are subject to thorough assessment and verification.

We apologise for the unfavourable feedback, but we cannot assist any further at this moment.

Regards 
Girshwin

Discovery Bank
Discovery Bank's reply11 Nov 2024, 14:09
Official
Hi Lucy 

I have requested our credit analyst to contact you and provide you with this detailed explanation regarding your decline and what further steps you can take to dispute this outcome.  

Our team will be in contact with your over the next 2 days to give all necessary information and data. 

Regards 
Girshwin