Not sure if I was approved for just having my home loan with NAB (package) or not, but I was approved with a $2k limit on my Amex.Looks like they are really staying still with the $295 first year AF, $395 thereafter with the 100K points deal. Hasn't changed much for a long time. Also with the higher credit limit (15K), it would take cancelling all but one of your 3-6K cards to get approved I think.
Multiple existing credit cards will kill your monthly cashflow as they assume you use the entire credit limit; doesn't matter if you have a history of never defaulting, always paying monthly full amount
I had a similar issue recently when applying for WBC QF Black. Westpac kept saying I had a ~6 cards open when really all were closed, some over 2 years ago. I've now realised it's due to bad data on my credit file where these closed cards don't have a 'close date' listed instead showing "Not specified" etc. You can submit dispute to Illion per card to ensure they close them off. This takes 4-6weeks IME. Credit Simple - See your credit score and credit report for free. <- (Part of Illion).Im not sure that is always true. I got this card earlier this year whilst having a Amex and Mastercard each with a $15k limit, so adding in the Visa brings me to credit cards totalling $45k combined limit.
I had however cancelled SGB Visa with a $15k limit and made sure the cancellation showed up on my credit report before applying for the NAB Visa.
Good Question- was wondering the same myself Up until only a few days ago.Has anyone signed up during the period NAB were offering 75 SC for signups, and actually received those SC?
I received my 100k points 3 weeks ago but no sign of the SC yet.
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Last saved copy of application/advertisment I have is from Jan 27, 2020. No mention at all of free lounge passes.Sorry to resurrect an old thread.
Does anyone remember if this offer from last year had Lounge invitations attached? My recollection is that it did (which is why I have been holding the card for a while).
When I called them to have the invitations added to my Qantas account they claimed that invitations were never offered and transferred me to Qantas!
No, that wasn't clear at all to me, especially as you indicated 'offer from last year '. At no stage did you indicate that you had not kept a copy of the original offer or could not locate it via the internet. There were at least 2 separate offers from NAB in 2020 that I was aware of. You could have been referring to any of those. Hence why I clearly specified that date of the advertiement that I was referring to. Your advertisement/offer may have been entirely different to that of January 27, 2020.Clearly I didn't keep the advertisement.