SBSA MESSING WITH MY CREDIT PROFILE

STANDARD BANK IS THE WORST BANK IN SOUTH AFRICA. FIRSTLY THEY DECLINED ME FOR VEHICLE FINANCE FOR PAST ACCOUNTS WHICH HAVE ALREADY BEEN SETTLED WITHOUT GIVING ME A CHANCE TO MOTIVATE AND PROVIDE SUPPORTING DOCUMENTS. AND NOW THEY ARE TRYING TO MESS UP MY CREDIT PROFILE FURTHER BY PROCESSING CARD PAYMENTS DAYS AFTER THE TRANSACTION HAPPENED. NOW I HAVE DEBIT ORDER THAT HAS BOUNCED BECAUSE IT SEEMED AS THOUGH I DIDNT HAVE ENOUGH MONEY TO CATER FOR THE DEBIT ORDER. NOW IF I GO TO OTHER INSTITUTIONS TO APPLY FOR VEHICLE FINANCE THEY WILL SEE THIS BOUNCED DEBIT ORDER AND USE IT AGAINST ME AS IF IT WAS MY FAULT. PLUS IT WILL REFLECT AT THE CREDIT BUREAU AS A MISSED PAYMENT. THIS IS REALLY NOT FAIR. I REGRET COMING BACK TO STANDARD BANK, I SHOULD HAVE STAYED WITH FNB.