Nobody knows anything at FNB

Been banking with FNB for the past 2 years, only now have I attempted to get a credit card and a loan from them but it seems I cannot get a good deal on the credit card and no loan amount at all.

So I've app**** five times now for a credit card, twice at their Edenglen branch and twice on my app. Attempt 1 (FNB APP) - call came in offering 25k Attempt 2 (Edenglen) - offered 63k at the branch, call came in offering 25k Attempt 3 (FNB APP) - call came in offering 25k approved Attempt 4 (Edenglen) - offered 50k at the branch, call came in offering 25k

See the thing is Nedbank, of whom I have no account with, offered me 47.5k on a credit card. I have no outstanding debts, neither am I blacklisted. But FNB will not offer me a decent deal, neither will they give me a loan of any amount whatsoever.

I asked the lady at Edenglen branch why this was the case and she had said the credit department reckon I am a high credit risk. To which I asked "why", at which she said their "credit manager would call me in 48 hours". What do you know 10 minutes later I get a call from FNB offering me 25k on a credit card... So I go back into the branch and tell the lady that had helped me that I had received another 25k card offer and not the clarity over my credit status. She responds by tucking her hands and saying "argh now I don't know". At this point, she can't help me, because like me the client she doesn't know.

Such incompetence and disdain for customers is what the green represents in FNBs corporate identity.

What is wrong with my credit rating? Or is it this the racial profiling cum ************** they've been accused of in the past couple weeks?