Additional funds on home loan

<p>I wanted to make an additional loan on my home loan to consolidate my debt as the interest rate on my home loan's far less than on a credit card or personal loan. (I've had my home loan since Dec 2013) When I contacted the bank I was told that I qualify for R50k which I accepted. I was sent the income and expenditure form to complete which I did and submitted it. I was contacted a few days later and told that it was denied due to "affordability". Meanwhile, I was contacted by Standard bank to ask if I'd like R50k credit on my credit card!?</p> <p>Now how can I get R50k on my credit card but not on my home loan? Isn't this double standards or just a way to make even more money from me as a middle class person? I find this completely unacceptable!</p>