Approved for Credit, Then Declined Without Reason – Zero Accountability

I app**** for an Incredible Connection credit account and received written approval for R35,000, reference number ***. I was then instructed to take my documents in-store to finalise the process. I comp****, went to the Centurion Mall branch, and was assisted by Romeo Malapane. While there, I was informed that the approved limit had been increased to R62,500.

Shortly after, I was informed that the application had been declined, with a vague excuse of “risk criteria not met.” I contacted TransUnion directly who confirmed my credit profile is in good standing with no adverse listings. They were also unable to explain the rejection.

Since then, I have contacted Incredible’s customer service team and financial department multiple times. Not a single manager, senior staff member, or executive has contacted me. No one has taken ownership of this issue. No transparency. No accountability.

I was approved in writing. I was told to act on that approval. I followed every step required. And now I’m left with a generic system rejection and absolutely no proper explanation or escalation.

This is not just poor service, it’s misleading and completely unacceptable from a national retailer. I expect this matter to be addressed immediately and properly – not brushed off with empty system replies. If your systems approve someone, you are accountable for the outcome. Incredible Connection has failed on every level here.