Tried to open account, had to chase

Hi, tried to open a account on the 21 December online and awaited for a reply, on the 15th January still no reply, and started chasing them for a answer. On the 18th January got a one line response that my credit application has been declined to credit and application details indicating that i cannot afford a account. Now my credit record is clean and I currently have no debt anywhere and in currently earn around R14,000 post tax so not sure where they got this details. Asked them but still no reply back to reason why decline and which credit bureau gave information. <br> <br> They were irritated because I chased and as a resulted copy and pasted a lame excuse and declined the application and to ***ardly to reply back to their email