Standard Bank Account & U-Count

I have been banking with Standard bank since March 2019. After 3 months I have upgraded my account to a cheque account. They then offered me the lowest loan and credit card. I then went to Capitec where I have an existing savings account and they offered me the highest loan and credit card limit.. How is that possible as my salary is with Standard Bank and not even Capitec? I then settled my loan with Standard Bank immediately with my Capitec loan.

I then went to Standard Bank after a while to see if Standard Bank can take my loan and credit card over from Capitec since I am banking Standard Bank, but they are not willing to do that because of my credit score, why?

Not sure what credit score Standard bank is using but my score according to Capitec is above average. This is really frustrating as it seems that standard bank is not willing to help. I am going to move over to another bank that is actually willing to help..

Another issue is my U-count.. My account was inactive before I upgraded to a cheque account.. They updated my details and the account was active again and money also started to show on the u-count. After a while my u-count suddenly showed R0 available. How is this possible? I did phone in about a month ago and the reason was my debit order is not going through. This cannot be the reason as my cheque account number stayed the same and there is always money in the account for the debit order payment of the u-count. Till this day, they have not came back to me with an answer. I have done many purchases and still not getting points. Can this please be sorted out immediately and I am requesting that my previous money I had on my u-count be given back and the points value of all the other purchases I have made after that..