Not looking after their clients

My daughter has a standbank account for the last 2 years. This year they changed her to a Cheque Acc. She earns a good salary been full time employed for 12 months. Has no debt. She wants to apply for a loan. She receives daily sms to say she qualifies for a R300000 loan. When she went in to the bank after sitting there for an hour and half. She was told, affordability is good but sorry can’t help you, you don’t have a credit record. WTH : you would think if you had a clean credit history it would s good thing. But I suppose it takes R50000 to get a R50000 loan. She was given a credit card and over draft but can get a loan that she can clearly afford to repay. Disgusting to say the least. How are youngest suppose to get anywhere today if a consultant types stuff into a computer and it spits out an answer. What happened to the way it was done 10 years ago when you sat opposite your branch manager and he looked and your info and he made the final call to approve. But because a computer says no, that’s the answer. I think it is best I move my business to another bank coz clearly they don’t have easy intentions for their clients. ****ed off