Personal Loan

I don't understand African Bank about a month ago I received a call from the Head Office saying I qualify for a credit card I went to the branch the Saturday received the credit card and everything the Monday they declined me due to affordability. But today I received another call saying I qualify for a loan I need to go to a branch within 5 working days to complete my application but why now cause non of my details has changed since then please can someone explain whats going on or do you just do it for fun