FNB FUSION ACCOUNT ****

I app**** for a Fusion Gold acc numerous times but was declined, 1st I was told my credit score ws low. 2nd time they said I dnt have an overdraft acc which now I have. 3rd i was told to wait six months which I did because of my credit score but still denied. Guys my credit score is 636/705. Today I went to the Centurion branch to apply still denied but to my surprise they approved me for R120 000 loan and a premier gold acc which costs double what I currently have(gold cheque) and Triple of what I am applying for(fusion acc). I want to downgrade to fusion but I feel like they forcing me to upgrade to premier, I'm so annoyed that I wanna close off all my accounts nd move on with another bank