My nonexistent credit card

So I bank with Capitec and like anything in life you have your good and bad experiences. Capitec have been good, but I have found that they have a 'downside' to them. I have been trying to apply for a credit card through Capitec for I don't know how long. I go into the bank and every time they say no, but they'll give me a loan, which I don't find hoe that makes sense. Any way I have also app**** online through the App, but it says no. BUT!!!! I went onto the finance companies looking for what bank might give me a credit card. And guess what? Yes, Capitec email me and tell me that I have qualified for a credit card. How do I qualify for a credit card through my email address and the details I give online, which are the same as those at the bank but I don't qualify through the bank. This makes no sense. Please explain!!!!