EDUCATE YOUR CALL CENTRE AGENTS

For goodness sake, EDUCATE YOUR CALL CENTRE AGENTS. I called ***to APPLY FOR A NEW CREDIT CARD. I cannot apply online because the incorrect status of my old Personal Loan account is causing my application to decline. The person whom I spoke to when I called to apply telephonically could not wait to transfer me to the Loans dept. WHY??? I explained to the rocket scientist that my Loan is Paid-up, very old and CLOSED but she insisted that I speak to your Loans Dept. If she's too tired to do her job, she might like to rather not answer the calls at all. Her incompetence is infuriating.