Finchoice mobimoney score drops can't use service anymore

Hi I have a mobimoney account with finchoice and a 6 month loan as soon as your credit score drops because of loans with them then they block you and say you longer meet qualifying criteria and can't use mobimoney when it is suppose to be like a credit card which one should stil be able to use I have been paying every month now my credit score is back up stil can't use it bad service should be warned of this ahead of time not happy