Poor credit card application accessment

I am very disappointed in my attempt to apply for a credit card with Capitec. I have a rental property which I own and earn rental income on. For some reason the lady processing my application is unwilling to consider the rental income as part of my income, but in the same breath she lists the bond, rates and levies for that property under my expenses. As a result of that my cash flow per month looks terrible and I do not qualify for a credit card. Even thought I have more than R8000 rental income funds extra that is not being considered. I have a decent job and excellent credit record but Capitec's short short sightedness in accessing my application has lost them a potential client.