BAD SERVICE - NO FEEDBACK NOBODY WANTS TO HELP

Amazing how a bank will decline a credit card application but approve you for a loan! so what is NEDBANK /FNB ETC trying to do? put consumers in debt. so here goes years I got into debt, I was younger and foolish, I paid all my debts and been paying my debts own time now. I have loans with Nedbank and FNB which they just grant you. I asked for a credit card, I also wrote and spoke to nedbank and advised them to guide me as I want a card and want a home loan eventually, I dont want huge credit on my cc just one to build my name and reputation with the bank, however NEDBANK DECLINES FOR MY CARD BUT GIVES ME A LOAN FOR 41K???? WHAT AND WHY IS SO HARD TO GET A CREDIT CARD FOR 2K BUT YOU EASILY GET A LOAN! ARE YOU TRYING TO MESS CONUSMERS UP OR WILL SOMONE LISTEN AND HELP ME AND GUIDE ME!