Confused Client

I purchased my first home in December 2015 with finance from Nedbank. At the time my credit score was fairly average and I was offered a rate of Prime + 0.8%... Almost 10 years later my credit score has improved significantly and I enquired about a possible review before I apply with other banks for a switch. Nedbank responded and offered me prime +0.3% but with the condition that I use my Nedbank current account debit card at least once per month, have my home loan deducted via debit order from this account and deposit at least R5000 into this account monthly... I already deposit more than R5000 into this account monthly, but I do not use my debit card and my homeloan is debited from another bank. This has been the case ever since I initially purchased the house. I rep**** to the offer stating these facts and the response was a blunt: "The condition is that you adhere to all terms and conditions, you will need to make the changes in terms of using the bank card once a month and homeloan to be debited from the account."

I have been a happy customer with Nedbank for the last 10 years, with 4 of my vehicles financed via MFC as well... With the last two vehicle purchases, I was surprised that Standard Bank approved my finance, while I am not even an existing customer.... Guess Nedbank does not want to retain me as a consistently paying client any longer....