Credit card app

My credit card application was declined. Apparently due to over exposure on credit. I Do not have any credit. No retail accounts. No personal loans and no credit cards. I have been banking with Nedbank for years now and even have a good banking record. I know that Nedbank will gladly offer me a personal loan as it is a complete ******* with financial charges. I need for someone who actually cares about the clients needs to please contact me.