Poor Service - No Care For Customers

I have a good credit score, I have Private wealth credit card which I pay on time in full every month. I have my medical aid with discovery and I am in the process of moving mu life insurance, car insurance, and RA plus taking out and Endowment. the bank keeps declining me for credit! I am asking for a small amount so I can get the benifits basically give me a small credit let me utilise the amount build up trust and get the rewards! discovery doesnt even care to do this