Dissapointed by Absa

I have been an Absa Client for many many years and have been thinking about getting a consolidation loan and i was approached by FNB to transfer my salary to them and they will take over all my loan accounts and offer me one loan if i switch, which consolidates all my loans and i pay one installment. Before i could take up their offer, i decided to approach my Bank-Absa mainly because i have been a client of Absa for so many years and thought that they probably would not want to lose me as a client to another bank. I went to an Absa branch yesterday at the Grove Mall to apply for a switch loan and save, but was declined.. not because of affordability but something about me being a high risk and yet i have a Car Loan, Overdraft and Personal Loan with Absa. I am so dissapointed that i will probably have to consider the offer from Fnb. SADDENED!