ABSA going downhill

Good day, I am rather disappointed that my application for a top up personal loan has been declined. I am a loyal client for many years who has a personal loan, home loan, vehicle finance, credit card, cheque account, Rewards account, Insurance policies yet they overlook this. My affordability is well within its limits and I've received Salary increases over time and this shows that my accounts are always active. I'm not perfect, I probably missed a payment or two by its due date but this should not be the determining/deciding factor when assessing my affordability. ABSA needs to look at my portfolio as a whole and make a decision. I've encountered this last year and decided to re-structure how I make payments to avoid being defaulted and now it is well over 6-9 months and ABSA decided to decline my application AGAIN. When is this going to end, should I look to move ALL my accounts to another bank that will offer me better service??? I'm tired of getting mediocre service, I've been Loyal, wheres ABSA's loyalty!!! Just to Add, when I app**** for a credit card increase in November 2017, I was granted way more than expected and I never defaulted up until now and this is what I get. I even took time of from work just to get this application sorted. I am extremely disappointed that ABSA is dropping it's standards again.