Poor credit lending

I had a my Mo account with standard bank i go into standard bank to find out if i can upgrade my account to a business acc i was then upgraded to a private account that included a credit card i would like too add no documents was asked or proof of employment was required i then move to the account i complaint to a private banker of the way the account was created as i can not manage the account as too much credit was given with no checks done also my intention that day by the bank was to have a business account not a private account my account is with lgr and my credit is negatively affected as standard bank approve credit with out following the nessarry steps to avoid this from happening