applying for credit

Wednesday I app**** for credit online,I got a response saying I meet the criteria, Thursday someone called me to confirm details but because I don't have a personal bank account she said I can do one of 2 things, cancel the application,go in a store and all il need is my id or get a letter from my husband bank account saying I have authority,I then went Thurs eve to game, someone called me to confirm my details and said il get a sms soon with the outcome, friday morning someone called saying I need to bring the letter from the bank n bank statements or I wont get the account, I explained that thr lady said I dont need it if I go into the store, but he didn't understand and was rude,shortly after that someone called again to confirm my details and said il get a answer shortly, iam still waiting, no system, no customer service