Bunch of clowns

<p>On Friday the 17th of June i app**** for Nedbank creditcard online. At the end of the application i got a message saying it was unsuccessful and to call the call centre if i had any queries. So i call the call centre and the robot agent says "it was declined due to you not meeting our criteria" i asked what criteria? Consultant says i don't know thats all its telling me. I am a prestige banker with my bank who have me vehicle finance of R250 000 the month before, then they tried to bullsh*t me about exposure but my disposable income is over R12k even after the vehicle finance, so the agent says she will log for it to be looked at, i spoke to a Team Leader Mishack who also didn't know what was going on telling me turn around time is 48hrs. Wednesday i called in still no answer its with manual validation, in this time to prove it is not affordability i apply for a personal loan with my bank and was approved R84000 which i did not take up, Sa****ay i get a call from another twit at Nedbank saying it was still declined i asked why... drum roll please "you do not meet our criteria" are you kidding me? I wait a week and you give me the exact answer i was quering the first time? As a consumer i have the right to know why i was denied credit but Nedbank seems to think they are exempt from this rule. This agent asks me for bank statements, are you retarded? You made me sign a document giving you permission to get it from my bank so you are actually stupid lazy and don't know your process, spoke to a yeam leader Byron who guess what... i will log a dispute for you. Erm that is why we having the conversation because i logged the dispute the week before. Still making up reasons why i was declined IDIOTS if you checked my profile I work in financial services you may bullsh*t other customers with your made up stories. But I know risk. I hopethe manager Bradley is competent enough to provide me with a response as im not allowed to speak to credit assessment. </p> <p>The first sign should have been when i was asked where did i do the application, if your system cannot tell you which channel it came in on then heres news for you. YOU ARE BEHIND and everytime you idiots pull for ITC you drop my score. I even offered to send you my ITC report but it was said its fine we can see it, then why the hell are you so delayed? I have minimal debt and surplus income. My ITC score is good as i get updates. What a bunch of uneducated *****s who are scripted robots and cannot answer questions. </p>