Questionable credit vetting

My husband attempted to apply for a Discovery Credit Card however when attempting to proceed with the application, Discovery had already prepopulared the form with income and expenditure, indicating incorrect expenses and salary deductions as well as a disposable income which was too high. Upon contacting the call centre, he was advised that Discovery uses estimate amounts and therefore the expenses and income could not be amended. He asked them to amend the disposable income to a lower amount which reflected the accurate position. He explained to them that although there is a joint bond, I pay the bond and not him. The consultant advised that there was nothing she could do. I find this credit vetting process both questionable and reckless. If a customer is advising you that what you have prepopulated is incorrect, your systems should have the functionality to amend the income and expenditure to reflect the correct figures. It is unacceptable that amendments cannot be made which forces consumers to either accept incorrect information or look elsewhere for finance. As a registered credit provider, you should know better than to engage in such practices.