No for a home loan but yes yes yes for bad debts?

I app**** for a home loan this week and as an existing client I was excited to see what you offered, only to hear that you declined my application out of hand, supposedly because of my internal risk profile. I recently relocated and that meant I had to take out an FNB credit card to cover unforeseen expenses. Then, due to Covid I app**** for a personal loan last week. Both were approved, the credit card with a massive limit (I chose a lower limit) and you offered me a personal loan of about R90 000, but I only needed R10k.

So my question is, how in the world do I pass your internal risk assessment for what is essentially "bad debt", but get a red light on "healthy debt" like a home loan??? Something seems really, really off about how you treat your clients.

Nevermind, I got offered the loan from a few other institutions, but you have guaranteed that I will start looking for a new bank.