FNB deserves NO CREDIT for declining credit card application without valid reason, for a decade!

This is not my first post about my consistently declined FNB online credit card application. In March of 2012 I paid all my FNB credit card arrears to lawyers Biccarri Bollo and supp**** FNB with the requisite lawyer's letter (several times). I decided to apply online again for a credit card in 2014, but was declined. In 2019 I began this tedious process again, but kept being declined, regardless of my financial status. After having spoken to innumerable FNB call centre consultants, and being fobbed off with a massive variety of reasons (incl. the fact that I was/am still listed as having a credit card and/or the case was/is still with the legal department) I posted a complaint on this forum. After a flurry of calls and emails from FNB's PR and so-called management who promised to deal with the issue, I was finally sent this email from EDC Support <***> on 12 September 2019.

Good day, Kindly note for a new credit card application you will need to do a manual application by contacting FNB credit new application on *** or email ***

Please provide new application with the enclosed letter confirming closure of this credit card account.

Regards, Muzi Radebe | Administrator | FNB Card Division | Consumer Segment 6th Floor, FNB Place, 30 Diagonal St, JHB, 2000 | Tel: ***

GUESS WHAT? On phoning the call centre again, I was told that I could only apply at a branch. I duly went to my local FNB at Blue Route Centre, Tokai, CT, where a very helpful consultant spent almost an hour on the phone, because whenever she tried to process my application, it came up flagged on her computer. In the end, on her suggestion, I took out a personal loan, as she could provide no logical reason as to why my application for an FNB credit card was still being declined. It is now May, 2021 and I have again been declined for no good reason. This has obviously affected my credit record over the years and I demand to speak to a real person who can resolve the matter, as it is a source of ongoing humiliation and anger to me. I have been a loyal FNB client for 42 years and this treatment is bull****!