Stringent internal Vodacom credit scores demonising prospective clients

Whilst I do appreciate and respect Vodacom internal processes, I do thinks sometimes they need to be able to accommodate clients and treat each client on individual merits for they also loosing business in the process (maybe they do not care, I don't know). Their internal processes are not effective, classic case: I wanted to a store to sign a contract with them so I can get an IPhone 12 Pro Max with them as a service provider and my application was decline based on their internal credit score and the review application that followed yield not positive results either. My attitude was that this is their loss no mime and I went back to the same store to buy the same product and used my credit card in so doing and was paid off in 6 months instead of 24 months contract that Vodacom offers. I thought I should put this out there and maybe someone at Vodacom listens and do something around such matters for they cannot tell me what product I can or cannot buy ESPECIALLY when my credit record is clean and in good standing.