Standard bank is the cause of my bad credit limit!!!

Standard bank was the cause of my bad credit record!

After applying for a small loan (R40 000) my load was declined because I sometimes go over my credit card limit. I phoned the credit card department and was told I am allowed to go over the limit as long as I pay it back before the end of them month. This I however always pay back immediately after I notice I went over the limit. According to the Standard bank Credit card Terms and Conditions, Standard bank offers their clients with a temporary limit increase. They dont mention anything about it negatively affecting your credit score. I asked Standard bank to put a limit on my credit card to not allow me to go over the limit. But they cant do that. They rather allow you to go over your limit and make use of their temporary limit increase service.

So how does Standard bank offer you something and then penalize you for using their services!?

I was even looking to buy my second house through Standard bank, but now I cant even do that because they caused my bad credit record!!!