Unfair Limit Increase Decline Despite Meeting Criteria

I app**** for a credit limit increase with Discovery Bank to qualify for the Discovery Health Benefit Watch. The requirement is a R15,000 credit limit.

I submitted my request, but it was declined.

I queried the decision and even gave Discovery Bank access to my Nedbank account, where my monthly income of R200,000 is clearly reflected.

After 48 hours, they still declined.

I also have R70,000 sitting in my Discovery Bank savings account, which they completely ignored.

What’s worse is that Discovery Bank ignored the fact that I am married in community of property, with a household income of over R300,000 per month. They added their own inflated “living expenses,” disregarding what I had declared. For example, they allocated groceries to me and to my wife separately, showing as if we both spend R17,000 on groceries each. Completely laughable and unrealistic.

Instead of applying logic and considering our real household financial situation, Discovery Bank makes their own assumptions. This resulted in an unfair decline that makes no sense given our strong financial position.

Discovery is effectively blocking clients from accessing their own advertised benefits through poor systems and unrealistic affordability models. A bank that ignores actual proof of income and savings, while fabricating expenses, is not acting in good faith. Clients deserve fair assessments, not roadblocks that prevent them from enjoying the benefits they market.