Dishonest and abusive

Firstly I thank them, for being so blunt and proving my theory , So I go in to take a personal loan, of which I get at 21.9 % mind you I have a clear record not one unpaid creditor in my name in the past 5 years, and I have other the financing through them and till to date I'm without default, So I asked for a review/appeal as the interest rates were a bit high, "if good credited record means anything it's time I put it to use, Bank gets back to me a day later with with a reduction to 20% which honestly is still high but I decided let me take it and it's better than 21.9%, So I Go in to bank and get all the docs and signed and unhappy but current needs met, I leave to await a sms for funds in my account, weekend passes I call the gentlemen that was assisting "best service from him" to get an updated all he informs me that my loan is being reviewed the bank wants to increase my interest rate, to 27.5% and I ask him to query what has changed in less than 48 hours, for my so called risk to put me as a high risk, secondly what determines risk in the first place if a clear credit record still puts you in the 20% plus bracket in the first place. guys We know that there is no clear way to determine risk with regards to such matter it seems the only thing you guys care for is making very high profits at the expense of other, what funny I know someone who gets fare less interest rates and the only difference between me and him is her is of a different race and the second who I have a better credit record and affordability still gets far less rates only coz they work at a bank..this just proves that all that matters is what margins you want to make and if you have the right skin color irrespective of your history .. fug thank you for making my Monday... its super sad so far but we still moving backwards ...guys helping people is simply that helping not put a price to it... I'll call tomorrow to see what seems to be the issue with regards to my loan