FNB a bank that cannot do proper maths

You have declined my credit card application based on my affordability. This I hear after I must phone in when you said you would phone me back, 4 hours ago. If you go onto my credit score you will find nothing wrong.

I can afford a house via a home loan through Nedbank, I'm preapproved but you declined me on affordability for a credit card of which I want a small balance on, not a big one. Look this doesn't add up. What must I send in, payslips, bank statements? Your figures do not add up. Oh and the person I spoke with did not seem to be keen in helping me at all. Look I'm not saying it's a must, but I'd like to know why I'm declined and to say affordability....well there is a lot I can afford and I fail to see that this is the reason and I'm not sure you realise I make more than R40k a month. I want a small credit card, something I will use to boost my credit score further so I'm not really interested in huge balances. I can take out a personal loan from Nedbank of R200k and pay R5k per month but I don't believe in loans and that is not my goal. Just don't come and tell me I can't afford it. I know what I can and cannot afford, I think this is an insulting reason.

Let me know what's going on and have someone phone me that has a clue about my financials. Not some woman on the line that answers and her reason is simply affordabiliy. Seriously not happy speaking with her.