I am gobsmacked!!!!!!!!!

<p> Last week I went into a branch to re-instate my online banking which I cancelled due to possible ********** activity on my account. A very nice lady at the branch assisted me and the service was nothing but excellent. As, I am sure is required by these sales people, she asked me if I did not want to activate a pre-approved loan which she viewed on my profile. At first I was hesitant, but thought it is always good to have a safety net and requested that she go ahead with the application. Everything was finalised, however, I have still not been able to view the loan on my profile and kept requesting assistance from "My Personal Premier Bankers" to no avail. I finally got some feedback today stating that because my account is rather new, I will only get access to the loan once my next salary is paid in. I can understand the rationale, however I am confused since I did not apply for the loan out of my own but was offered the product. And now I feel as if I am a flight risk. I really cannot fathom this. I would appreciate some feedback on this. </p>