Fnb pre selected misleading and info of expenses not accurate but fnb declines on that info

Fnb limit increase on the app misleading! Not sure why they give you pre selected and then when you apply the decline anyway? Waste of time and application! Also like in my case fnb says other expenses 25 k??? Where do they get that and how do fnb calculate that? So fnb decline my fusion private limit increase on that info??? Surely you have to have the correct Info before you just decline someone!! Also your banker helps you and then when decline he ref it to credit and guess what same old story you never get any feedback! Had the same issue with wesbank when I bought a car and then I asked absa private bank and in 24 hours contract was signed and approved while wesbank or fnb has this and that story! Also absa private bankers motivate your loans or finance exct where fnb does nothing! I can also just apply on the app like any normal acc holder!