Fnd misleading clients with there temporary loan offers! It will badly effect your credit score! Fnb dont tell clients that

So i have to complain again and again! I will.complain weekly! So fnb tells you to make debt to get credit seeing i have no debt except clothing accounts which i settle and buy exct! I have no transunion problems! Have no missed payments, have no unsettled debt and the list goes on! So what does fnb offer me??? Pvt wealth acc with no benefits except bankcost??? I get the same service as with my aspire account except i pay R60 pm and not R600 and i get offered 5k temp loans! So fnb tells me to make debt and i took the temp loans everytime it gets offered to me and i settle it in 2 or 3 days! I thought it will build my credits history at fnb but guess what fnb tells me?? No so it is bad for your credit score!! It shows you need money ?? Really??? Why dont fnb tell you if you take a temp loan it counts against you??? So MIsleading!! I take about 2 temp loans per month which equals about 11k and a 300k loan repayment is about 10k pm but i cant even get 1000 facilities??? Fnb's credit department cant see this clients earn alot and why are we not helping him ??? Agian i will get the same old email saying we are sorry about the inconvenience blah blah blah!! Everytime fnb cant even tell me why they cant assit me! Thats pathetic!! Wait the best is i am pre selected for 5mil homeloan but cant get loan or creditcard?? So how must i build a credit history if i cant get any debt??