Loan Shark

Although I enjoy banking with FNB, one of the better banks. I am disconcerted by the fact that I am not able to apply for a small credit card to help me build a credit record, in the attempt to get vehicle financial assistance. They would however approve an personal load of up to R125000 with an interest rate on the cusp of 30%... This is loan shark tactics and it makes one wonder how sick the financial industry is... The reason for my poor credit record is that I don't make loans.