Credit Cards: When to reapply after a decline

[Obi-run Kenobi]

Have just been declined for a credit card and was told to wait 3 months and try again.

Has anyone been declined for a card and then reapplied (with a successful approval) earlier than this? ie. after a week or so?

 

[theblank]

If you do that - most banks would assume you are gaming them by modifing your details to try and beat the approval system.
You will be instantly declined with extreme prejudice, and possibly a black mark against your name for future applications. If I was an approver, thats how I would consider it.

Credit cards are mass scale products - nothing personal about it, they bank couldnt care less if you feel hard done by. Thats the system.

was this CBA?

 

[Obi-run Kenobi]

Best to avoid a hasty reapplication, in that case!

No, not CBA. This was ANZ. I've found them increasingly hard to deal with on recent applications, despite having success with several other banks over the past quarter. ANZ used to be the easy one for me!