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Qantas Premier Credit Card

33kft

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Jun 19, 2018
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Maybe they could take a leaf out of Centrelink's book - I recently got a message about a subsidy that I knew I wasn't eligible for that went something like this:

Dear 33kft,

We are pleased to advise that you have been assessed a rebate of 47% on your fees, for a maximum of 0 hours per week.

Love,
Centrelink
(* some parts may be paraphrased)
 

Www

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Any tips on a reasonable timeframe to make another credit card application post the rejection from Citi (to a non Citi card). I expect at least 6 months for a Citi card, although I hear of people once they get declined keep getting declined with Citi, so maybe best steering clear for a couple of years for Citi?
 

Dr Ralph

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Any tips on a reasonable timeframe to make another credit card application post the rejection from Citi (to a non Citi card). I expect at least 6 months for a Citi card, although I hear of people once they get declined keep getting declined with Citi, so maybe best steering clear for a couple of years for Citi?
Why wait?

If there's a problem with your ability to get credit it will be obvious from the next rejection from another bank. Waiting 6 months is unlikely to fix a systemic issue.
 
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Www

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Why wait?

If there's a problem with your ability to get credit it will be obvious from the next rejection from another bank. Waiting 6 months is unlikely to fix a systemic issue.
Was more about articles I read saying you should wait before making another application of a credit card (when googling how long to wait after a cc rejection). But sounds like they are over conservative.
 

roomer

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Was more about articles I read saying you should wait before making another application of a credit card (when googling how long to wait after a cc rejection). But sounds like they are over conservative.
Yes I thought I’d read that too many applications in a short timeframe was not good for your credit rating in that it looks like you are desperate for getting a source of credit
 

burmans

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Yes I thought I’d read that too many applications in a short timeframe was not good for your credit rating in that it looks like you are desperate for getting a source of credit
Don't believe everything you read! I've worked on credit decisioning systems so while even to an insider its reasonably opaque, credit applications is a factor but by no means the only one. It used to be more important pre comprehensive credit reporting, repayment history is a beter indicator of finacial stress than applications.

I've had successful applications 1 1/2 to 2 months after the previous, and have been doing 5+ applications last few years. Admittedly I do have a good salary and repayment history record and I think these probably are mitigating factors, I also do close cards regularly so my overall credit remains reasonable.
 

Dr Ralph

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Was more about articles I read saying you should wait before making another application of a credit card (when googling how long to wait after a cc rejection). But sounds like they are over conservative.
I make 8 to 10 applications a year. Have done so for at least the last 4 years. Also refinanced a mortgage in that time. No rejections (yet).

It's all about income and ability to repay.
 
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Lemon_Party

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A personal data point; 16 cards since 2017. 17 applications. Only rejection was ANZ in february this year. I'd just churned one of their cards, had very recently closed a couple of cards that may have still appeared as open and had a relatively high frequency of applications in previous 12 months.
I pondered this for a few days, applied for the Virgin Money flyer and was approved immediately. Last week I applied for ANZ Black QF card and that went through fine, so the rejection hasn't affected anything with them.

I'm with Dr Ralph - income & existing financial commitments are the key points.
 

GSP

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Regarding the Citi cards, I think I was also mentioned somewhere about the 6 month thing that Citi told me, but not always the case. Over the past two months I have closed a Citi Virgin Frlyer card and a City Qantas everyday card and just applied for the Citi Qantas Signature no problem.

Just on that Virgin/Qantas everyday history, I was also in possession of a Qantas Everyday card (and had been for a bit over 6 months) when I applied for the Virgin Flyer and had no issues. The only issue I ever had with Citi was when I had to Virgin Flyer card, closed it and applied for another 2 month later they gave me the bird - I had also just applied and received the Qantas card, but like I just mentioned, I waited another 6 months and the Virgin Money was mine again for the 3rd time without a hitch.
 

GSP

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I make 8 to 10 applications a year. Have done so for at least the last 4 years. Also refinanced a mortgage in that time. No rejections (yet).

It's all about income and ability to repay.
Yes I agree with that - I do probably at the upper end of Dr Ralph's limit and I've only had the 2 rejections. The Virgin Money I mentioned before in the previous post and a Bankwest card where I had just closed another type of Bankwest card down. So in hindsight they weren't my best considered applications.
 

Www

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So it seems it is probably ok to do a new cc application immediately after a cc rejection if other factors are all in order.
But, Citi it seems it is better to give a 6 months break after any cancellation of a Citi card to minimise likelihood of rejection.
 

nickfromeastryde

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Has anyone figured out how to turn off the emails EVERY damn time you use the card? Ridiculous!
Mine come up on phone and watch as a message notification but doesn't sit in my message's so no need to delete or maintain later. Quite like the feature
 

33kft

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It isn't every time, it's for larger transactions for me. Doesn't bother me, I get transaction alerts in Google Pay for other cards so it's useful for me.
 

burmans

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So it seems it is probably ok to do a new cc application immediately after a cc rejection if other factors are all in order.
But, Citi it seems it is better to give a 6 months break after any cancellation of a Citi card to minimise likelihood of rejection.
There is a difference between applying at a different CC provider and the same provider. As far as Citi we can only guess. I have had applications within 6 months accepted and one rejected. Why, only Citi knows.
 

N860CR

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Gotta love Citi service... called last week to followup on some missing bonus points. I get told someone will call me back. To their credit, they did... at midnight.
 

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