Discovery Bank is utterly useless!

Never experienced such utterly disgusting service arising from really poor sighted close-minded mediocracy. App**** for a product with this useless bank and was declined, but get, this not due to affordability or poor conduct or any reason that warrants a decline or that makes any sense, no, I was declined because this bank and its credit managers don't have a working understanding of debt service ratio and debt to income ratios. So, this is how the discussion went, we are not concerned with your affordability, in fact comfortable you can afford it, we just unsettled by your debt to income ratio. So I questioned the concern, and get this the ratio is way below and I mean way below the average ratio of the South African household of 66.10%. Mind I am an existing Discovery customer, insurance, medical aid and vitality products for 7 plus years, and they saying whilst you can afford the product we trying to find means to tell you, we don't want you as a customer. So cancelling every single product with Discovery, thank you for opening my eyes Discovery Bank!