Qantas Premier Credit Card

Sponsored Post

Struggling to use your Frequent Flyer Points?

Frequent Flyer Concierge takes the hard work out of finding award availability and redeeming your frequent flyer or credit card points for flights.

Using their expert knowledge and specialised tools, the Frequent Flyer Concierge team at Frequent Flyer Concierge will help you book a great trip that maximises the value for your points.

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)
 
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?
 
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.
 
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.
 
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
 
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.
 
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.
 
Last edited:
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 

Enhance your AFF viewing experience!!

From just $6 we'll remove all advertisements so that you can enjoy a cleaner and uninterupted viewing experience.

And you'll be supporting us so that we can continue to provide this valuable resource :)


Sample AFF with no advertisements? More..
Back
Top