When your systems don't serve you but govern you

Discovery made a mistake and reflected an outstanding balance of R32k on my account. I contacted them and the matter was rectified. When applying for the Apple Watch benefit through Vitality I'm told that I don't qualify because my account has not been in good standing for 3 months consecutively. They acknowledge that the error was theirs but they cannot override their system. So even though it was their error, I am still regarded as a credit risk and do not qualify for benefits.