FNB a BIG disappointment.

I am truely disappointed in FNB. I thought I chose a bank that is different in comparison to others . I am a young medical doctor who just entered the working sphere . I have no debt and sufficient funds in my account. I app**** for a credit card and was rejected due to my credit risk? How am I supposed to rent a car and book a flight without a credit card ? How am I supposed to build a credit record? I thought I chose a bank who would help me move forward in life and not stay stagnant. I have four of days a month if I am lucky and don't have a lunch hour for admin. I work 24 hour shifts and a normal day can go up to 5pm.. I went with great difficulty to the bank after a 30 hour shift to apply for a credit card. .only to receive an email today stating that I am a high risk and my application has been declined. I don't even want to know how am I going to apply for a loan to buy a new car in two years time ? I am strongly considering moving banks. I would not recommend FNB.