[stunpix]

I would like to support your opinion here. I’ve been a beta-tester for one bank as well as I've been reading it’s CEO's blog where he was occasionally explaining what stays behind their decisions as a bank and I had learned a bit from their back stage.

When you as a company (especially financial one) is serving thousands or millions of customers you must have/rely on statistics with a heuristic to detect fraudulent or an abusing customers. Also you have to decide whether you will have any troubles by giving a loan to a particular person. Such heuristic systems are scoring using hundreds (if not thousands) parameters like age, marriage status, sex, whether you believer or not, what is your smartphone (e.g. according to bank's statistics Android users are tending to not return credits more ofter) and so on…

What’s most important: banks will never disclosure what has lead them to their decision like to decline in a credit line. Just to avoid further cheating with their heuristic systems.

I believe the author had become a victim of such heuristic which is likely had detected something unusual, then it considered his profile + recent connections (perhaps he had specified a different country than Turkey), and finally «free tier» had added some alarming amount to scoring. Otherwise I can't explain why support had wrapped up a chatting so quickly and unfriendly. For me everything points out on that there was a distinct reason for them to cease his account and they won't like to disclosure it in any way.