Hi Ozbargain
I have something I need to get off my chest as it was worrying me all day today.
You see last week, I applied for one of the premium credit cards with bonus reward points. I went to a branch and said that I'm a long time customer and want to apply for this card but do not want to pay the annual fee. I told him I was interested to get the bonus points.
After some negotiation, he offered to waive the fee for the first year. In the meanwhile I asked him about how I can get the bonus reward points and he just said I have to meet the spend criteria.
After a couple of days, he completely denied discussing it. The issue that I am worried about really is the needless credit check.
I don't know what to do now. Shall I send a complaint to the bank? It has left me really disappointed and upset. I cannot also apply for a different card right away as it may end up being declined considering there is this enquiry on it this week.
I am okay with not getting this card - its not a requirement but more of a good to have. However, not happy with what they have done to my credit file and the general disregard for service.
Hope to get your views. Thank you.
Standard practice to do credit check when applying for CC. Seems you were ok with it when you thought you would get bonus points but when you weren't eligible for that, you now get upset?
Go to Masters get some wood, a hammer and nails, build a bridge and get over it.