Account app declined without reason.

I app**** for an account and was advised that my account app was declined. I could not understand this because I know my credit record is fine and my budget defnitely allows for this extra expense. When I finally got hold of someone at the 'New' financial department, they advised that I go to the strore and have someone from there phone in because they can't help if I phone myself?? This seemed unessesary, but today I was in Cradlestone mall to find out why I was declined. The person who helped me was utterly unpleasant. He tried to make an excuse not to have to phone but after I demanded an answer, he gave in. Again they gave the same excuse, apparently I don't meet their criteria. When asked what their criteria is, again no one could answer me.

I find this unexeptable, I know I am within my full right to know exactly why I was declined and expect an answer.