App**** for a DISCOVERY credit card, and after vague requests of supporting documents, forwards and backwards 3 times with explanations and declarations, I was declined - no amount even requested yet

App**** for a DISCOVERY credit card, and after vague requests of supporting documents, forwards and backwards 3 times with explanations and declarations, I was declined - no amount even requested yet. In contrast, FNB called me same day and I was pre approved within 5 minutes (for an excessive amount if I wanted it). DISCOVERY BANK's "tick a box" automated methods of credit review lack service and understanding, and Experian is not always correct (even when DISCOVERY BANK were provided supporting accurate information to the contrary)!