@pmrindel as an ex banker I can only say that all banks are the same and they are all losing the plot. You only find customer service in a brochure.
Everything is now done as "paint by numbers" with absolutely no common sense applied. The computer decides for them.
If I had to rate the banks from bad to worst I would not know where to start.
However, Discovery bank must be the worst as you can only speak to a robot and they have no branches where you can get assistance.
Their apps are suspect and collecting points and rewards is a joke. Not something I am interested in anyway. I buy my own smoothies.

What Dave said is true. Don't over expose yourself and try to use credit only where it is absolutely necessary. That is the only way not to get unpleasant surprises.
Having no debt is also a problem as the banks want to see your credit record and the conduct of your accounts.
As a final year student your daughter may get offers from other banks looking for new graduate accounts. Shop around and see what is on offer.