Bank Assumption

I have app**** for a credit card with Discovery bank, since my life cover has been with the for several years. The consult was great, but the Discovery bank credit card process is a horror. The agent provided me with a 'living expenses' which amounts to almost R20 000, excluding my credit obligations. This amount is totally incorrect, when I requested insight into this 'living expenses' I was advised that it is an assumption from the NCR on what my expenses 'should be' based on my income! Such a horror of an assumption! Cummon Discovery, you have a great reputation, don't let processes like this bring you down. Do better!