Hi,
Can any tell me for sure that if i change the credit card to a lower rate CC with the same bank (Bankwest), do they do the credit check or just swap the card. The reason i ask is that recently i applied for a personal Loan but the bank (ANZ) wont give me a loan coz there has been a lot of activity in my credit file lately and apparently its not good and asked me not to apply for a CC or PL for 3 months or so...and then try again... Is this a valid reason to refuse? mind you i dont have any defaults or anything.....I judt dont want another entry in my file..thats all...
thanks
Can any tell me for sure that if i change the credit card to a lower rate CC with the same bank (Bankwest), do they do the credit check or just swap the card. The reason i ask is that recently i applied for a personal Loan but the bank (ANZ) wont give me a loan coz there has been a lot of activity in my credit file lately and apparently its not good and asked me not to apply for a CC or PL for 3 months or so...and then try again... Is this a valid reason to refuse? mind you i dont have any defaults or anything.....I judt dont want another entry in my file..thats all...
thanks