No credit or finance without hassles

Two weeks ago I wrote a review about FNB declining my credit card application. After hellopeter they eventually granted me the credit card . Today I app**** for car finance at Wesbank and I was declined, the reason being I missed 2 payments. The only debts on my credit profile ifs the FNB credit card which was opened 2 weeks ago and the Investec credit card only R1000 which was also opened 2 weeks ago. I am struggling to understand, why is it such a hassle to get approved with the bank I have been loyal to for many years. And worse, I do not have debts that could hinder approval. i submitted a letter of appointment from sars for the finance application but it was declined. I am definitely moving my accounts to Investec.