How is the Credit Approval done at MTN?

Strange! Owning two houses, driving a luxury car and earning a decent salary I find it strange that I was approved to use MTN but only with R260 on contract. Have had and Iphone with CellC and after looking at the exceptionally good offers of MTN I wanted to migrate and use a different service provider. OH BOY, WAS I IN FOR A SURPRISE! After filling out a lengthy application in the Middelburg Mall's store, I was told that there shouldn't be a problem. Providing 3months bank statements and payslips with prove of residence, I had to contact them because they 'couldn't get hold of me' (not even leaving a voice mail) just to be told that I was approved to R260, asked if there is an appeal procedure or what the criteria for approval is, the respons was \I can phone the call centre but they will tell me the same". I find it strange that MTN doesn't want my business. How on earth does their credit rating work and providing my bank statements surely they can see that I earn enough through rentel income and monthly salary? Do I really have to beg to use this company or shall I just go elsewhere?"""