Standard Bank Loans

On the 24 of December 2022 I went to standard bank branch to increase my credit limit on my existing account but unfortunately it was declined because they said I couldn't afford it, on the same day I went straight to my app open new account which is revolving loan were if you borrow R6000 you pay R14000 it was approved Sametime by the same bank which said I did not qualify for R4000 increase on my current existing account with them, then I decided not to continue with the loan but boom money deposited without me finalizing it, standard bank a big ****.