85% approval again????

it really breaks my heart that FNB once again granted myself and my wife 85% bond at an interest rate of 11.5%. This is really ridiculous. I mean we went through this last year, FNB is my bank. I cancelled all my accounts everywhere else, from cheque account, to credit card, and I have an existing loan with FNB, yet I still get 85% while I app**** for 100% and I get a ridiculous interest rate of 11.5%???? Come on guys...HOW CAN U HELP ME???? BY REVIEWING THIS DECISION AND GRANT ME THE CORRECT BOND AT THE CORRECT RATE. ALL MY FNB ACCOUNTS AND THE REST OF MY ACCOUNTS ARE IN GOOD STANDING. The same applies to my wife. She only banks with FNB and her accounts are in good standing. Why is FNB doing this to it's own clients??? I keep hearing how easy it is to get 100% bond on the radio with FNB, and yet you do the opposite to your own clients. I mean we have 2 salaries, and rental income that is longer than 6 months and we still get 85%???? Come on FNB.