- Oct 13, 2006
Nuh-uh. Despite the fact that you yourself have given several other reasons why banks decline, it's pretty obvious that the OP doesn't present a credit risk. The forums are awash with similar stories, eg six figure salary, minimal expenses, own property etc etc, and still being rejected. So unless they and the OP are embellishing their financial position, then your banal dismissals are simply incorrect. Perhaps things have moved on from "your time", particularly in the post-royal commission era.nope, not at all. Completely barking up the wrong tree.
The bank wants the business, period. The only reason they decline is credit risk.