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I signed up for the Qantas Premier CC within a week of my Amex rejection and they gave me a card with a ~$64k/mth limit! Which I think we've all agreed - Amex aren't looking at your credit score, but your credit history (aka all of us churning). Unfortunately it sounds like we are locked out...

That's what I did as well. I can't recall what the channel was, but they did reply. Nothing reassuring though. I feel you need to be on $500k + 0 credit cards in the last 6 months. I've got friends who've been rejected on $350k, saving a huge amount, but with 1 card, and having churned regularly.

I received my Amex rejection letter today, and it actually provided some specific details as to why they rejected me! "Based on monthly income and expense information.. We couldn't confirm your ability to make sufficient repayments". Crazy, considering the Qantas Premier gave me a $64k/mth...

I reapplied for the 3rd time this year. Just to see if anything had changed. It hadn't 🤣. However this time they actually called me to validate all my finances, to tell me they declined my application.

Yep I missed that as well! But it does prove the point it wasn't very visible vs the Qantas website when seems much more transparent. I was moreso just highlighting I didn't think it was too obvious during the booking process and what my experience onboard was. Purely subjective but thought it...

I've just looked at my original ticket confirmation from Navan and Qantas and no where does it state Finnair. Also just did a search on Navan for the same QF0291 flight and it also doesn't show Finnar anywhere.

I just flew the Sydney to Singapore QF291 flight and I was really disappointed with it. This was a work trip so was booked through the corporate booking platform Navan No where on Navan did it state the flight was a "non Qantas plane/service" however I've seen screenshots of the Qantas booking...

I feel your pain. People in this thread are much kinder than the "Failed Amex thread". I was told "it's their process and they can make it as short or as long as possible and the lender owes you nothing" lol. But I appreciate the determination you have had with this! I still need to mail off my...

I thought I might just update anyone interested in my latest Amex experience. I reapplied for the American Express Ultimate card last month. 5 months after my original rejection from American Express for the same card. Unfortunately there was no change and I was rejected once again. I still...

Hence why I told them to close the case and I wouldn't take up any more of their time.

Funny you ask. AFCA called me last Friday, nearly 4mths after my submission to say they'll start working on this. However when I explained my reason for the feedback they said the UX and process across every financial provider differs and unfortunately that's up to them. He understood the...

Thanks everyone for your honest advice - it's definitely given us some good insight and clarity! And I hope this thread helps others 🙏🏻

Thoroughly appreciate all the info. It looks like Europe is off the table! :( After talking to a few friends as well, they too agree the heat and being by ourselves with no prior baby experience might be a bit too full on.

Hi all, My wife and I are wanting to travel to Europe (Rome, Florence, Venice, Positano) next year in June, and believe we might need to factor in having a 3mth old baby (our first child) as part of these plans. This would be out first child, so we're wondering if the idea of a family holiday...

Completely agree. I am annoyed that I got rejected. This card would have allowed me to earn Qantas points at a higher rate than other cards for a fee that I'm happy to pay. So I'm definitely responding emotionally vs logically as I can easily just apply for another banks card. But as some...

Appreciate the ideas. My score was over 1,000 out of the 1,200 Equifax limit. 100% bills paid on time across the 17+yr history on me. I assume it's the credit churning. Since Jan 2022 I've had 1 card at a time, but 4 in this 18mth period. I don't see that as high, and with a high credit credit...

I'm on a mission now for Amex to explain in better detail why our applications were rejected. When I lodged my complaint 3 weeks ago they said I'd get a call 48hrs later. A week on that hadn't occurred so I followed up. They reiterated the 48hrs again from this follow up. 2 weeks on that hadn't...

I'm not across really what AFCA can do. Some others suggested to mention them to see if Amex would backtrack. But my feedback to AFCA was genuine concern in regards to the bad CX the website application form posed. You cannot supply financial records (every single other financial institution...

Crazy! So the "you cannot reapply for 90 days" comment may be only related to the specific card you applied for? I called them back yesterday and they said my complaint and review case was still in progress. They said I'd hear back in 48hrs. But I made the point it'd already been 1 week, and...

Just called Amex to complain about my rejected application and that the form didn't have a back button and didn't require any financial proof to be supplied. The lady said there was nothing she could do and that applications went through a "robust" review process. I asked multiple times if a...