Reckless spending and inflated spending limits

To the Discovery Executive Management Bank Team:

I am writing to formally express my dissatisfaction with the recently inflated minimum spend requirements for airport lounge access on the Discovery Black card. The current threshold of R23,600 per month is completely disconnected from the actual disposable income of your target demographic. A Black cardholder earns a minimum gross income of R70,833, which translates to roughly R40,000 net after tax, medical aid, and pension. Once essential debit orders for a vehicle (R10,000) and accommodation (R10,000) are accounted for, the remaining disposable income is approximately R20,000. Requiring a monthly spend of R23,600 to unlock lounge access is mathematically impossible without compromising a client's ability to save, invest, or cover basic living expenses. Additionally, directing clients to the Visa Airport Companion's 6 free visits is not a valid solution. This is a baseline Visa network benefit, not a Discovery-specific perk. Competitors like ABSA and FNB offer 10 free visits through the exact same Visa programme. When Discovery launched in 2019 with 180,000 clients, you offered a clear, accessible alternative to traditional banks. Now, with nearly 2 million clients, you are implementing the same restrictive practices you originally disrupted. Referring to lounge access as a mere "perk" minimizes the core value proposition of a premium banking product. I request that you review these inflated requirements. Furthermore, please do not respond to this complaint by offering to downgrade me to a lower-tier package. I expect the value of my current product to be maintained.

Regards: