Loyalty Counts For Nothing

Writing this whilst seriously debating whether being an FNB client for the passed 10 years has been beneficial to me. Been trying to apply for a credit card for a year and it’s constantly declined. Whereas Discovery approved me first time. Now I’m applying for car finance and again declined whilst Nedbank approves me. Not to mention FNB pre approves me for a personal loan for double the amount of the car as an alternative (read double the interest rate as well). It makes sense to just move my account to Nedbank🙄