Discovery bank

Their method of evaluating new customers is totally pathetic. Example I have a credit facility with a credit card of R125,000, balance R0.00. They show monthly instalment of about R6250!!!!! They apparently blame it on the Way Experian works. What utter *******. They also do not know how to calculate gross and net income!!!! DO NOT CONSIDER BANKING WITH THEM. Also, because if this debacle I will be cancelling my medical aid with Discovery which costs about R9000 per month. What’s more when I filled in their online objection, the document disappeared. Very poorly setup website.