cannot get credit

its been over a year now since I started receiving my salary on my FNB account , but every time I apply for a credit FNB always decline my application. I have app**** for car finance twice and got declined, but ABSA approved me for both my cars. I also app**** for a loan still got the same results but , Capitec , African Bank and ABSA approved me. now I wanted to apply for one loan and pay off all my other debts but FNB cant give me that peace of mind, the only thing I have its an overdraft and I always pay more than R400 every month for bank charges. why would I stay with FNB when other banks are providing me with the credit when I am not even their client? I have a platinum cheaque account but I cannot even get a temporary loan, I think its about time to switch my banking to either ABSA or Capitec . I will never recommend anyone to FNB