Credit in fnb sucks

Fnb is the worst bnk ever. if I had a choice right now I would switch all my accounts right now as soon as I pay all my accounts with them I wil not hesitated to leave that bank and I will never go back even if its the last bank. I app**** for a credit card.it was declined on basis that my salary doesn't match the one on their system without verifying the facts.my personal banker asked me to submit my payslips off which I did and it was declined again reason being affordability which I failed to understand because the same fnb gave me a revolving credit of 50k which I have reduced it to 14k and in the process im also reducing my od every month with R500.on the other side im paying my home loan more that the actual instalment with 2k.and my credit scoring is currently 98%. the last straw was when I wanted 8k which I asked them to increase my revolving credit they came up with a story that I didn't understand.they said I should have at least paid 15% of the revolving credit my question was what is 15% of 50k cause I paid my revolving credit from 50k to 14k.This is disgusting and im so disappointed with them