Hey Guys,
I don't really use a lot of credit, I prefer to just use my debit card for everything.
I have been doing a lot of international travel lately and I thought I would get a credit card to give me a little security in case I run into trouble and also to try to get some QFF points.
So I applied for the Qantas Platinum Mastercard with Citi thinking it was a no brainer as I more than met the requirements plus I'm a gold QFF, with a credit limit of 12k. I got knocked back.
So I figured I should check my credit rating as maybe I had overlooked something, and it was clean, and I have a credit score of around 850. (I'm sure this would be higher if I actually had more things on credit as I direct debit all my bills)
So I'm confused as hell, should I just apply with another company? If so what companies are giving the most favorable approvals these days?
I am self employed, and I have a letter of earnings from my accountant and she is happy to speak with the bank on the phone.
Do you have the sufficient earning that Qantas Platinum Mastercard required?
Which is Earn more than $75,000 a year