ANZ Platinum, 50k bonus QFF points after $1500 spend, no annual fee first year

samh004 · Jul 15, 2014

zainman said:
you can always be "creative" when it comes to filling out the application form. 9 out of 10 times they don't verify income etc. YMMV

I've been told to create my own payslips on here too

I got an email this morning asking me to send various documents, so I'll have to look them out

Jack_OC · Jul 15, 2014

zainman said:
you can always be "creative" when it comes to filling out the application form. 9 out of 10 times they don't verify income etc. YMMV

Really? I can't remember the last time I got a new credit card without having to send in documents to verify my income.

samh004 said:
I've been told to create my own payslips on here too

I got an email this morning asking me to send various documents, so I'll have to look them out

Does anyone know what would happen if you went down this road and got "sprung"? Eg are there any credit reporting implications? Or worse - reporting to police? I don't know - maybe they just reject the application and move on, but if anyone is contemplating doing anything like this, I think they should find out the answer to this question first. I'm not trying to pass moral judgement here BTW, this is just intended as friendly advice.

samh004 · Jul 15, 2014

Jack3193 said:
Really? I can't remember the last time I got a new credit card without having to send in documents to verify my income.

Does anyone know what would happen if you went down this road and got "sprung"? Eg are there any credit reporting implications? Or worse - reporting to police? I don't know - maybe they just reject the application and move on, but if anyone is contemplating doing anything like this, I think they should find out the answer to this question first. I'm not trying to pass moral judgement here BTW, this is just intended as friendly advice.

I'm not suggesting I'm going to do any forging. Just what I've been told etc.

blackcat20 · Jul 15, 2014

Jack3193 said:
Really? I can't remember the last time I got a new credit card without having to send in documents to verify my income.

I've never been asked to send income documents...and I don't earn that much.

zainman · Jul 15, 2014

Jack3193 said:
Really? I can't remember the last time I got a new credit card without having to send in documents to verify my income.

Does anyone know what would happen if you went down this road and got "sprung"? Eg are there any credit reporting implications? Or worse - reporting to police? I don't know - maybe they just reject the application and move on, but if anyone is contemplating doing anything like this, I think they should find out the answer to this question first. I'm not trying to pass moral judgement here BTW, this is just intended as friendly advice.

What samh004 said is what I was hinting towards. I don't believe they are any implications as such, if they're unhappy they'll reject and move on.

bismarck · Jul 15, 2014

blackcat20 said:
I've never been asked to send income documents...and I don't earn that much.

I have a feeling they're more suspicious of people who say they earn more than the average. I never used to be asked but have been more often since I started earning more.

Sent from my iPhone using AustFreqFly

Buzzard · Jul 15, 2014

I didn't have to provide any documents nor was there a phone call to my employer to confirm anything.
Approved with a $15,000 limit and already have another card(s) with ANZ with a $27,500 limit.
Go figure.

russellferrier · Jul 15, 2014

Application declined despite an income north of $300,000.

DontGetMeStarted · Jul 15, 2014

Buzzard said:
I didn't have to provide any documents nor was there a phone call to my employer to confirm anything.
Approved with a $15,000 limit and already have another card(s) with ANZ with a $27,500 limit.
Go figure.

I am similar approved with $22K limit and have $40K limit on other plat card.

Buzzard · Jul 15, 2014

russellferrier said:
Application declined despite an income north of $300,000.

Too many cards already?

Jack_OC · Jul 15, 2014

bismarck said:
I have a feeling they're more suspicious of people who say they earn more than the average. I never used to be asked but have been more often since I started earning more.

russellferrier said:
Application declined despite an income north of $300,000.

Interesting! Maybe you're right Bismarck - perhaps I should start pretending my income is lower than it actually is!

russellferrier · Jul 15, 2014

Buzzard said:
Too many cards already?

Not a single credit card to my name. Two debit cards.

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TomVexille · Jul 15, 2014

russellferrier said:
Not a single credit card to my name. Two debit cards.

Lack of credit history perhaps?

(not that I think that's the case)

knasty · Jul 15, 2014

russellferrier said:
Not a single credit card to my name. Two debit cards.

Check your credit history. I once found a default listed for a small bill I wasn't even aware of and NAB knocked back my.mortgage application because of it.

lovetravellingoz · Jul 15, 2014

russellferrier said:
Application declined despite an income north of $300,000.

Clearly too much risk of never paying any of that 20% cc interest....

TomVexille · Jul 15, 2014

Update: Just rang ANZ since it's now been 7 working days since applying. First person I talked to said there had been no notes on my file since last Tuesday and that I needed to submit my passport, then hung up on me when I insisted that I had already done so at a branch last Wednesday.

Rang back and got someone who went and checked (and found the documents) when I informed him that I had submitted the requested information at a branch. He then passed me onto the applications team who now want proof of income...

It's a basic card with a $1k limit. How hard does this need to be?

Cruiser Elite · Jul 15, 2014

TomVexille said:
It's a basic card with a $1k limit. How hard does this need to be?

Tom remember what Malcolm said? This will all be a distant memory when you are sitting up in the F or J lounge or on board in F or J slurping away on a free Champers - nothing any good comes easy.

ellen10 · Jul 15, 2014

Welcome kit arrived in the mail yesterday.
Cards arrived in the mail today. I do not have to go to a branch for anything.
Cards now activated.
Ready to go!

TomVexille · Jul 15, 2014

Cruiser Elite said:
Tom remember what Malcolm said? This will all be a distant memory when you are sitting up in the F or J lounge or on board in F or J slurping away on a free Champers - nothing any good comes easy.

Right. Keep plugging away at them.

sergeyvzn · Jul 15, 2014

I applied for the ANZ Frequent Flyer Black and got referred. Two days late an email arrived saying I was approved with a credit limit of $36K...now waiting for the cards to arrive

ANZ Platinum, 50k bonus QFF points after $1500 spend, no annual fee first year

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