I applied for a FNB card telephonically a while ago, having been rehabilitated 4 months ago I knew it was going to take some time. Well 14 days of constantly phoning in and jumping through so many hoops my application was declined yesterday because of to many credit applications on my credit profile. On asking the consultant if according to affordability if I qualify she replied that is perfect with no problems there, it's because of the applications.
This was after declined the first time sending me a letter that I can't afford a credit card currently due to my in one yet I earn more the R50 000 per month with no debt??
I don't know if fnb is above the lawl but according to the national credit act affordability is the primary criteria for extending credit to a client!?
Where do on go to build a credit record if no one wants to extend credit even if according to them you can afford it?
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