not allowed to have access on my funds

On the 3rd I was at main street branch, assisted by miss nonyane ' if I'm not mistaken ' she says to me that I won't be able to access my funds. Then I receive this msg from their collection team 'Dear Absa client, your credit card limit has been exceeded. Please make a payment or alternatively contact us on *** or email [Email Removed] ' and this one ' Absa: Congratulations, you've got provisional approval for a personal loan of up to R57000. Plus, if you find a better rate elsewhere, we'll beat it with our Price Guarantee promotion. Simply apply online, call ***, reply Yes & we'll call you back or stop to opt out. T&C apply. FSP/NCRCP7 ' im not allowed to have access to my account they want me to apply for a loan and pay a credit card with what.