Rediculis rate on vehicle finance

Good day Absa Now you are very quick to phone me when you feel you want to give me a loan or credit card because you making money out of me and im to happy to pay you back every month with no problem. Now i come to you to get vehicle finance and you come back to me and tell me you want to decline my deal and then we get it approved with a rate of 15%. Please explain why can i do all my other business with you with no problem bit when i want to buy a car or house you come with this ridicules rates. So Absa i want to buy a car and i need you to help me and explain to me why 15% do you want to get the car repo is that the idee behind this are you making more money that way. My name is clear at itc so please get back to me and explain