Credit application process painful 😞

I app**** for a personal loan for 200k but system offered 20k on the 15/11/2023 and called the personal lending department and sent all the required documents with reference number *** and received case number C-***6 at the same day I tried applying for the credit card and got the call back and also sent all documents received reference number *** and they sent me a quote of R40 000 for the credit card. My issue is the loan department I kept on calling and making a follow up and was told the person dealing with my loan will call me ,den I decided to call the credit card department they said it's declined I on the notes it says it's identification and verification.I must go to the branch for that, den I went to the branch at Alberton they said I must take a life insurance in order for the credit to be approved indeed I signed up for the life insurance then they said the contract will be emailed to me for both the loan and the credit card. Nothing came through I went back the next day then they said the problem is proof of address and I went for the third day at the branch they said outcome is declined because I took long to verify. I have been making follow up daily on both application so I am failing to understand how did i take too long. To the loan department I have been calling and calling but no assistance and waited for the call until today, to the credit card department it's worse I didn't even get an sms or be informed of the outcome and the reason behind the outcome. To the ABSA branch I really feel like I've been taken for a ride. Please furnish me the answers.