Non-communicative and weird credit policy

I recently was in the process of moving my bank accounts to discovery as well as taking out a health insurance policy with them. I app**** for a credit card and had potentially the worst experience I’ve had to date with any bank. I kept getting declined despite the fact that according to their policy and provided report I met all the criteria and should be approved. The issue apparently is lack of retained income because I don’t keep my salary in my current account but instead transfer it to savings after my expenses are paid - like a financially responsible person. When I called them and explained they said to submit statements for my savings accounts, which I did and was still declined - now without a reason. This has made my cancel my love and I will now avoid all discovery products in the future.