FNB Service

I app**** for a credit switch on my banking app, and I am being declined because of the joint bond that I have with my husband, the full amount is reflecting on my credit profile and I do not pay for the bond as it goes off my husbands account so I added the full amount unto my income as you cannot change the expenses as I have proof that I am not paying for it. I called to enquire as to why this happens and what I can do, Presence ( sales consultant) told me that I will not be able to apply for any credit with FNB as they're system is automated system they can't do any amendments but yet ABSA did an amendment and asked for my husbands bank statements. This is ridiculous that you bank with a bank but yet they can't assist you and to think that this is just a credit switch something that I am already paying for but yet they can't assist.