What happened to the personal touch for loyal customers

So I have been banking with FNB for +15 Yrs , yet I am judged by a computer algorithm. I reduced my overdraft monthly for the past 5 yrs from R 30 000 to under R 4000. And still I cannot increase it according to the computer that says I am not credit worthy. My revolving loan has been reduced monthly from R 7500 to also under R 4000 and yet the balance has not been available for the past 3 years. I am a premium customer with no real benefits. FNB will not grant me a long term or short term loan, yet they have full access to my salary, and can deduct directly from my account. (which they do for fnb connect, even before I get paid). I find the lack of true customer service appalling and the term "how can we help you" should be rethink to "how can we not help you ever". Once I settle my loan account and my overdraft, I will find a bank that lives by the statement "How can we help you". Premeium banking my ass.