Can not agree with capitec's itc scoring?? All other banks I have excellent itc score but capitec says below average???? So capitec says clearscore and fnb and std bank are all wrong

Just opened and capitec acc! Deposit R200 to open the account and I see they took R25 for what? On the statement it does not even say for what??? Worse thing is there app says my itc score is below average but std bank, fnb and Absa I am a private bank client with excellent itc score??? Makes no sense the capitec scoring? How can itc like clearscore say my score is excellent and all the other banks but capitec not???