Credit Card Application declined by a point system??

I am a Pensioner and receive two different pensions. After deductions it amounts to R36 000, 00+. My house is paid for and I have no debt. Only the monthly "running" expenses'. this amount's to approx. one third of my monthly income in a worst case scenario. I have applies via phone for a credit card, with the limit amount. It was also mentioned that an amount of R100,000.00 (Hundred Thousand) will be deposited into the credit card. I want to benefit from the EBucks arrangement. My request was declined and I was offered a Cheque Account with an over draught facility or a savings account. Why a Cheque Account with an over draught and no Credit card ??