Always Declining Credit Applications

Getting credit from FNB is very difficult, they are so strict. I had an account with FNB until I repeatedly got declined for even small credit applications, eventually changed my salary to another bank. How about we give them another chance to redeem themselves, some people said. Currently trying to get finance for a vehicle but got declined once again for accounts that have been settled. Accounts that fell behind while I was on maternity leave earning uif not my full salary and not because of my negligence. Being responsible by settling old debt before getting into a new financial commitment and yet still being punished for it, so unfair. Please appreciate our efforts when we show commitment and carefully consider each case before declining at source.