OH
O H

1 reviews | Active since Nov 2019

17 May 2023, 09:32

Credit application declined with no justification

Hi app**** online for a Woolworths store card. The feedback i got is that the application has been declined as the information could not be processed further....I then called the contact center for feedback and was told "the information on the application could not be verified with ITC, that is why it was declined and I can apply again in 30 days".

I asked why it was declined but the consultant could not say why,rather saying I must contact ITC...the issue I have is not an ITC issue,my credit rating is more than acceptable(I know this as I always pay and check the score frequently on Experian)..I know that each credit provider has their own criteria but this is unacceptable,If something is declined there needs to be a reason why for example "your ID number did not correspond with database or we could not verify your employment etc" and this is how it can be remedied...I will not reapply as frequent credit checks does not bode well with me or for future more detrimental credit applications(Even though more importantly the credit check APP I use I can see which providers doe cresit checks om my name and there was no Enquiry from Woolworths Financial Services)

My only reason for the application is because I find myself shopping more at Woolworths,this experience has left a bitter taste in mouth and I am reluctant to return as a customer even.

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