Pathetic Service

So I had already had a complaint with you guys in March regarding my cheque /credit card being declined.Someone had emailed me back and said that if I go into the branch then they would be able to give me a breakdown as to what FNBS Loan criteria is..So I went into adderley street branch asked afew questions the consultant tried to do a overdraft application for R1000 it was declined due to me being high rish and my credit score bring too low.I then showed the consultant my itc report with my score being very good and he went to the bank manager and then stayed away for almost a hour trying to get hold of the loans department to ask what the criteria is...I then asked him on my online banking profile the bank is willing to give me R3500 for a loan and then when I apply for a overdraft then its declined ??? So how do other consumers apply for credit cards etc if they have paid up all their debt etc ? Or is it just me that is having this problem he said he would call me back that was on the 29/03 he never did not even a email to let me know what the feedback is.This is disappointing because my score is not low that is why I demand to know what the criteria? Please email me