First National Bank
NO to make paid up funds available in one account

I was just wondering how the this works. I applied to have my credit card limit increased last year and was offered R150 000 as my new limit through FNB visa card. I was shocked and asked for only R50 000. They gladly adjusted the limit for me within hours and sent out my new gold card.
Today I was told that I cannot make the R25 000 available that is paid up in my one account (bond) because I cannot afford it according to their calculations.
Now is it just me or is R150 000 over short term much more risky than making R25 000 available from a bond where I have never defaulted and having the house as security?
And being told that I cannot afford it was the last straw. I think I am going to shop around for a REAL access bond.
Thanks FNB for NOT helping me.