Archaic Onboarding, nonsensical credit application approach

Was coerced by my broker to switch from FNB Private Wealth to Discovery with a promise of increased credit etc - as well as the product tie-in across the Discovery Suite.

Entire process was a joke. Clearly their credit check team are inexperienced and lacking in initiative. I needed my annual bonus to be included in my overall payment structure. Payment went into my FNB account in Feb, however the formal statement only gets produced a few weeks later. Instead of asking for a payslip or bonus confirmation from my employer, the agent simply put in a fictitious amount, roughly 1/30th of the actual amount.

Then (once the above was resolved after a ridiculous back-and-forth process) - even though I meet the requirements for the premier product, I get an offer of roughly half of what FNB give me (not even considering the fact that I have an option to increase my credit limit by another 50% across my products with FNB). .....and Discovery offer no overdraft option on a current account.

When you compare this to the application process of Capitec, Thyme, FNB etc - you wonder how Discovery are going to compete.

Terrible UX, derisory offer. I would have considered moving my mortgage across as well - however no way I am putting myself through this nonsense twice only to receive a significantly worse facility than I am currently using.