************* and disappointing

ive had a credit facility with capitec for a few years now and every 9 months i renew it, but this time it was different. i have never missed a payment on the credit facility, i would think the relationship and loyalty was set in stone. i went into a branch trying to re-apply for the credit facility and i was told they couldnt renew it ONLY because of an external account in arrears that is prohibiting me from applying. i then fixed the external arrears, went back to the bank and they told me i dont qualify for any loans at the moment. my credit score isnt all that great but i feel like my loyalty to capitec would be beneficial (because its about the relationship you have with a customer) and external factors/issues shouldnt make such a big difference in the yes/no situation with a loyal clients. me not paying my mr price account has nothing to do with capitec, so why should that affect the approval? and why should it affect the proof of my loyalty and precision when it comes to staying on track with regards to never missing a payment. it would be nice for capitec to NOT make decisions SOLELY based on what your credit score is or external issues, but to consider a clients affordability as well as their track record in terms of payments and as well as loyalty to the company. its upsetting because i depended on it... this is disappointing