NEDBANK NO SUPPORT TO THEIR OWN CLIENTS.

I bank with Nedbank I was advised by them to open accounts to build a credit history today I apply for a car and I am told declined. I have no arrears, no payments has been missed I have a cash left over of R15 000 plus each month, but my own bank is declining to assist me. Then I apply for a concolidation loan thinking if I consolidate maybe then they will assist because then it wont be "too many" accounts and then I get declined there as well. So I know my credit score is low but this is because I had no debt on my name for quite sometime. If your own bank doesnt want to help then what are you suppose to do