Constant Declines, No valid Reason

So, I've been applying for credit to FNB for a while and I continuously am declined. <br> <br> I've contacted the premier bankers a month ago and was told that whatever was preventing my applications from being successful has been removed. <br> <br> I app**** for an overdraft via the online banking again and was declined. No reason was given. <br> I apply for an FNB homeloan and I'm declined with reason \Account Conduct". Really? What's wrong?<br> <br> Can somebody please get back to me??? Nedbank just approved my homeloan within 1 day. Nedbank holds my vehicle finance too. <br> <br> I've been loyal to FNB for a long time. Please let me know what I'm doing wrong?"""