Confussed

I am a bit upset about the outcome of t he decision that African Bank made when I app**** for a consolidation loan. I had a huge amount on my ITC that I owned to a lending institution. I paid this whole amount off and the account has been closed. The reason for me applying for a consolidation loan is that I have two other accounts that is in arrears and wanted to settle it and pay one amount per month to African Bank. Well, I am trying to build a clear credit profile and the loan was not approved do to affordability. My concern is that at the moment my expenses is R4000 per month and the existing loans that I have is over a 12 month period. I never skipped one of these payments. What I don't understand is that when I had the huge debt of R50 000 African Bank had an offer for me of R4000. No that the huge debt has been paid they cannot assist me with any offer. This does not make any sense to me. When I had debt they were willing to help and now that I have less debt they cannot help me? My expenses is that high per month for the reason that my other loan is over a 12 month period. Looks like they are not willing to help new customers.