I suppose I shouldn't have been surprised to learn that my Discovery Card application process was delayed due to some black dot against my name at FNB. Apparently, some time in the distant past, FNB wrote off R59 that I owed to them (strange that I do not remember ever owing them anything except a student loan that I proceeded to pay off in full). So, because of that R59 I was given a credit rating of 3. What a high credit risk individual I am, I failed to pay First National Blunder a lousy R59! Well, Discovery card can keep their FNB-underwritten card and I will keep my Standard Bank card and continue enjoying the brilliant, friendly service from my old-faithful.
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