Worst ****** Bank

Fnb is rhe worst bank i have ever dealt with i am a sole proprietor and i am a director of a company i have bsen trying to apply for a cresit card for over 1 year my credit record is good all my accoubts up to date i have enough funds in my account yet the 3 tines ive app**** the always have a different excuse this time apparently i cannot afford it ive asked based off what and how is the calculation done and noone can explain this to me im starting to think that FNB is a ****** bank ive neber had rhis problem at Absa and even std bank provisionaly approved a Credit card for me just today so what exactly is your problem with me FNB