Poor Processes

I checked my credit score online and found that it was amber. I then decided to apply for a credit card in order to improve my score as suggested by FNB on the app. The credit card was on green but i app**** and got declined. I proceeded to go to the branch and was assisted by a lady who told me that my application for a credit card was declined because i do not have credit history. She said this was what the system was saying. This is despite the fact that i have over R160k in savings (FNB acc) and have taken pots and plates on credit previously. Surely FNB is keeping my money in savings but cannot trust me with a credit card for R20 000? This is just ridiculous. So the lady advised me to go open a clothing account for at least 3 months then come back. So other stores like clothing stores should trust me with credit yet my own bank that i have banked with since 2009 when i was a student cannot??? This is ridiculous, i have never heard anything like this.