Westpac lending/credit criteria?

Discussion in 'Westpac Altitude Rewards' started by fgray30, Aug 31, 2004.

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  1. fgray30

    fgray30 Junior Member

    Aug 31, 2004

    Does anyone have an insight to how Westpac (or other banks in general) decide on credit issuing? I currently have a gold mastercard with them and want to switch to the gold altitude mc/amex account. Would they treat it as a new app or would they see it as a straight swap??


  2. Guest

    Guest Guest

    When they offered the altitude amex as a 2nd card, there was no credit lookup done, so.. looking at other banks, I see no reason why it wouldnt be a straight swap. However you will be paying a higher yearly fee, and you may be charged a fee for the amex too..
  3. wleong

    wleong Intern

    Jan 26, 2003
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    Most Banks (if not all) use a credit scoring system. The data is fed into the system and a decision is made based on your credentials. Eg How long have you been living at your address, stability of employment, ability to save etc :)

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