Standard bank refuses to give me an overdraft when I have a good credit record and I have been with them since 2006. I am permanently employed and have my salary deposited into my account every month. The only time my credit card goes over is when there are delayed payments yet the card allows me to continue to use it. That is the bank's fault. Even so I always deposit funds immediately to bring back the balance to the agreed credit limit. Please resolve as I need my once off overdraft approved!