Declined for credit despite being approved for a 470K car loan

Can you please explain how you grant a vehicle loan of R470K 5 months ago, yet when I try to do a personal loan or credit card for 25K you decline it?

Note that my affordibility has not degraded but rather increased, my credit scores increased, my business never took a dive during lock down

Been banking with FNB for 7 years almost and just feel as if it's always a struggle and never just plain old fashion and transparent business with you.