Account purchases procedures not aligned to young consumers

Terrible service when it comes to account purchases. In my experience with retailers, Truworths is the only retailer that does not allow you to make account purchases with an electronic card. They also do not accept a digital form of identification where the picture and ID details can be clearly seen and matched to my physical presence. I believe that Truworths adds these unnecessary measures when making account purchases to deter customer from purchasing on account, and they are therefore forced to pay cash for the purchases. I would also like to point out that when I produce my physical card for the account purchase, I am also asked the security questions to verify that the account belongs to me. So please explain why the same process cannot be followed with the electronic card? As a millenial consumer in a post-covid world, it is exceptionally frustrating that Truworths refuses to move with the times and accept digital cards. I am now less likely to shop at Truworths purely because of the hassle with the account payments. Please make it easier for your customers to shop at your stores!