Lost a client due to ridiculous initiation fee.

Wanted to purchase an item for R2 000 and was offered a quote with an initiation fee of R610 plus the interest I would pay per month 22,25% and a monthly service fee of R61. The interest and service fee and standard expectations but the R610 initiation fee?? I queried this with their team and I was told it is because I am pre-authorised for R50 000. I proceeded to state that I only need R2 000, to which they rep**** they could reduce the credit limit but not the initiation fee. Later I was told by a manager that the initiation fee was high because of my credit risk rating, which is clearly false as my current Experian score is 679 indicated as Great. It is important to note that websites like Takealot who promote Mobicred note the following statement: "Once off account initiation fee ranging from R119-R610 (incl. VAT), depending on the facility granted." So the issue clearly could be resolved by reducing the credit limit. I asked to take the issue higher up and was told that senior management would tell me the same.