I called Emirates NBD to inquire about a car loan. I previously took a car loan for five years, which I fully settled in four years with no issues. When I applied for a second car loan, despite earning AED 18,000 per month, I was informed that I was not eligible.While I understand that banks have their own eligibility criteria, the way the call was handled was unprofessional. The representative ended the call without proper explanation or courtesy.For comparison, another bank has approved a home loan of AED 600,000 for me and communicated very professionally. Due to repeated inconvenience and poor customer service, I am now seriously considering changing my bank. Emirates NBD should improve staff training in customer service and communication.
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