CD
Clinton D
1 reviews | Active since Jul 2013
03 Feb 2022, 11:57
STUPID CREDIT REFUSAL
I made an enquiry for credit to the value of R 269.00. I was declined without a reasonable explanation. I earn way above the mentioned amount. I mean R 269.00 is a piddly amount. I responded and asked for an explanation, both my emails to the CC agent and their credit department has gone unattended....ABSOLUTE NONSENSE.
R269.00 SHOO....WORSE THAN ASKING FOR A HOME LOAN
Helpful (0)
Replies (3)0
Replies (3)
Teljoy's replyOfficial
03 Feb 2022, 12:46Good day Clinton D
We are sorry to hear about the lack of communication.
We conduct credit assessments through the credit bureau based on affordability assessments. Different factors are taken into account: payment history, affordability, regularity, etc. Whether the application is new or an add-on to an existing account, every customer is vetted. We do this to ensure the financial well-being of our customers.
Regards
The Teljoy Team
We are sorry to hear about the lack of communication.
We conduct credit assessments through the credit bureau based on affordability assessments. Different factors are taken into account: payment history, affordability, regularity, etc. Whether the application is new or an add-on to an existing account, every customer is vetted. We do this to ensure the financial well-being of our customers.
Regards
The Teljoy Team
Teljoy's reply03 Feb 2022, 12:46
Official
Good day Clinton D
We are sorry to hear about the lack of communication.
We conduct credit assessments through the credit bureau based on affordability assessments. Different factors are taken into account: payment history, affordability, regularity, etc. Whether the application is new or an add-on to an existing account, every customer is vetted. We do this to ensure the financial well-being of our customers.
Regards
The Teljoy Team
We are sorry to hear about the lack of communication.
We conduct credit assessments through the credit bureau based on affordability assessments. Different factors are taken into account: payment history, affordability, regularity, etc. Whether the application is new or an add-on to an existing account, every customer is vetted. We do this to ensure the financial well-being of our customers.
Regards
The Teljoy Team
CD
Clinton D's updateReviewer Update
03 Feb 2022, 14:11is R 269.00 an amount that will break the bank? I'm not even asking for ownership of the item, its a rental agreement. Affordability isn't in question, nor payment history. I was at pains to give a detailed explanation on income over and above what is in my bank account. Its ludicrous..
CD
Clinton D's update03 Feb 2022, 14:11
Reviewer Update
is R 269.00 an amount that will break the bank? I'm not even asking for ownership of the item, its a rental agreement. Affordability isn't in question, nor payment history. I was at pains to give a detailed explanation on income over and above what is in my bank account. Its ludicrous..
Teljoy's replyOfficial
13 Apr 2022, 12:28Hello Clinton, please be advised that Teljoy provides a monthly subscription, and is not a credit provider.
Teljoy's reply13 Apr 2022, 12:28
Official
Hello Clinton, please be advised that Teljoy provides a monthly subscription, and is not a credit provider.