STANDARD BANK IS THE WORST BANK IN SOUTH AFRICA

I am not even sure how to explain my frustration regarding the never ending painful process that I have been through. Two weeks ago, I went online to search the iStore for the upgrade of laptop that I would like to get in order to continue with my sideline design work that I do to make additional money; I chose the laptop I wanted, and proceeded to apply for an iStore card; I rarely do things on credit, but to outlay R20k for a laptop is a bit much when holiday / christmas season is just around the corner. I did the application online, which I found shocking during my first application - they asked VERY little information, and before I knew it, my application was denied, and with NO reason. It just said "Your application was unsuccessful". I then began to seriously panic, because one thing I have tried my DAMNEDEST to ensure throughout my adult years, is to keep my credit record squeaky clean and make sure I am never in debt. I tried to obtain more information from the pathetic online application, because according to law - when a customer is denied credit, you MUST provide a valid reason, and even point out where the black mark against their name may be coming from! I finally decided to pay out of my own pocket for a deep Credit Check, as I couldn't for the life of me understand what the hell was going on, and of course STILL no valid reason to the denial of my application. My credit record score came back with a whopping 97.27% with not ONE judgement against my name. Just as I thought. I tried the online application a further 3 times in hopes that perhaps it was a glitch in the system; still denied. No reason.

I then began to email all two of the email addresses I was able to find online and beg them to assist and give me reasons immediately as to why I am being declined. I was losing out on additional money monthly and was losing out on design work as my current laptop had slowed down too much for it to operate with my design programs. They came back with endless demands of paperwork / pay slips / ID copies / bank statements etc. and that was 5 days ago. I got them everything the kept demanding within the hours, and have followed up several times, as a manual application for store credit DOES NOT take more than 2 days to do!! Well.... it's 5 days later since the manual application demands came through on my email, and STILL nothing...

Standard Bank should NOT be allowed to deal with Apple in any way - Apple is a massive company with products that are in HUGE demand, and thanks to them being the usual "slack way of doing business" in this country, they are losing out on a massive amount of customers (who actually in fact end up paying MORE for their products than people with straight up cash). The service is beyond shocking and they have NO interest in helping customers or running their credit applications correctly.