Worst banking experience ever.

This bank has caused me more hassles in 4 months with them, than I ever had with FNB. The credit card process is a joke. I send all my documents and list of expenses and get turned down even though there's clearly enough availability of money. They don't check the documents or expenses if they did they would have noticed. Also their forex account is absolutely terrible.... need to generate a lounge ticket, which also doesn't work if you don't spend enough money.... so I am witb a bank that earns you no discovery miles for saving only spending. And you can't use a airport lounge if you only save but don't spend. The interest rate is supposed to change based on savings etc. But stays the same because in discovery bank if you don't spend the bank isn't beneficial to you at all. What's the point of a bank if there's no beneficial gains for saving. I regret this move very much.