Assistance during an Enquiry

I have been banking with FNB for over a year. On Monday I received a call from FNB and was offered a Gold Credit Card without me submitting an application. I was also offered immediate overdraft facilities. They requested me to submit payslips which I didn't do because I didn't want the credit card. Yesterday I received a call from the courier company to ask when they can deliver my card. None of the paperwork has been submitted regardless, I have been issues a gold credit card. Yesterday I decided to apply for a device of which the monthly payment is R529 per month. FNB told me I have a limit of R400 to spend on a device. So I don't qualify for an extra R129 to be able to get the device, yet I get a gold credit card with overdraft facilities without me even applying for it. HOW THE HELL DOES THIS MAKE ANY SENSE? When I called them this morning to explain to me what the logic is behind issuing me a credit card but I don't qualify for an extra R129 I have been been transferred by the call centre to 4 different divisions . No explanation only 'YOU CAN APPLY FOR THE DEVICE AFTER THREE MONTHS\ WAY TO GO FNB!! You lost ANOTHER client."