Thank you for making me my credit report bad!

I app**** for a loan at Capitec bank Walmer Park.<br> <br> The lady was very helpful and quickly helped us get the loan needed.<br> <br> She then told us about a Multi-loan that there will be funds available but if we don't use it,it will not count.<br> <br> We never used and after she failed to tell us it will show on my Credit report we have a problem!<br> <br> I want to buy a new car that's on a awesome deal but now my bank is causing me to lose out because I don't have enough funds available because this stupid multi-loan is showing me in a negative amount!!!!<br> <br> Now I \Ask Why"was I not informed this multi loan does this!<br> """