rejected credit card application

good day sir/madam<br> <br> Im very upset because i app**** for fnb credit card and i was told my accounts are not paid in time which is a lie.....please Mr price and tfg make a plan because you are the one'S who told fnb that im not paying my accounts in time ..I need a response asp because in what ever i apply it will reflect mr price and tfg .<br> <br> I HOPE THIS WILL HELP<br> <br> REGARDS<br> <br> MPHATHISI DUBE<br> ***