Disappointed

I app**** for a RCS card and was told I do not meet the lending criteria, followed up via a phone call. I have to build up my credit history to apply, this is exactly what I was trying to do. I was interested in a lounge suite at Decofurn valued at R11500, I was going to pay a deposit of R8000 and only wanted credit for the balance of R3500 which I wanted to settle by 6 months in order to build my credit history and score. Russells approved me for R30 000 in-store but I didn't go through with the deal due to a minor issue. Wesbank approved my credit for R149000 without credit history just at a higher interest rate. But RCS can't approve R3500, I'm disappointed as I expected something more than 'sorry try again later'.