FNB LOAN ****

I TOOK A LOAN FOR R12 000 IN OCTOBER 2019 NOW IN MARCH 2021 I SETTLED THE LOAN MY SETTLEMENT AMOUNT WAS R11 669.17 . I KNOW ABOUT SERVICE FEES , INSURANCE AND INTEREST . I HAVE BEEN PAYING FO THIS LOAN , MY MONTHTLY INSTALMENT WAS R638.72 P/M. TO MAKE IT EVEN WORSE I APP**** FOR CREDIT CARD FOR R1000 BUT I DONT QUALLIFY I QUALIFY FOR R12 000 PERSONAL LOAN . WOW . I WANT THEM TO CALCULATE HOW MUCH THEY HAVE MADE AND HOW MUCH I HAVE WASTED .