Pick n Pay store card is a farce

Pick n Pay store account is a farce. I am a regular shopper at Pick n Pay and always get waylaid in the stores at both Arbour Crossing and Chatsworth for the new Pick n Pay store account. And then every time I am declined for some unknown reason. I have recently purchased a new vehicle and am permanently employed so I fail to see why I do not meet RCS criteria for a store card. I called Pick n Pay while at the store after having been declined yet again for the store card. I was on hold for 15 minutes before a consultant took my call and said she will get a floor consultant to help me. I was on hold again for another 10 minutes. That floor consultant heard what I was querying and put me back to the first consultant. Again on hold for 10 minutes. Frustrated, I cut the call with no answer to my query. I know of people who are unemployed and get a basic social grant of R1400 who qualified for credit of R5000 with the Pick n Pay store account ....what criteria are they meeting to qualify while I do not qualify??????