CBA Credit Card Application Process

paddyadrian on 02/06/2023 - 13:13

I recently applied for a CBA Platinum awards card, the only reason I applied was because we have a package with our mortgage so there would be no fees therefore in theory in should have been an easy 50K Qantas points otherwise it's a pathetic offer for a fee of $249. Of course it didn't go to plan, CBA instead sent me a basic awards card which I didn't apply for. I usually churn cards a few times a year so I can only assume this was the main reason they didn't give me the platinum card. I am wondering if I have any grounds for asking CBA to remove this credit enquiry from my file so I can move on to my next churn…..

Financial Credit Card

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Comments

  • Seraphin7 on 02/06/2023 - 13:38
    +1

    In the fine print there will be something about you effectively applying for a range of cards and CBA will determine which one (if any) they will provide to you if successful.

  • Godric on 02/06/2023 - 13:40
    +2

    … It's an invitation to apply…. you still require to undergo credit assessment to verify you can service the new credit card, and clearly you couldn't so they offered you the next tier of product.

    Read the t&c's next time.

    • paddyadrian on 02/06/2023 - 16:56
      +1

      The funny thing is that they still gave me the same credit limit as what I applied for on the better awards value card so I don't believe it was a serviceability issue.

      Noted about reading the t&c's!

  • payless69 on 02/06/2023 - 13:54
    +1

    I took their low fee gold card for their $200 bribe. So far so good, happy with the global acceptance and its app. But the offers they keep on sending to me never make sense. I told them they can shut my paypal account and do more business with me. All they come back with is a credit line with over 19% interest and they fail to see my middle finger.
    So NAB is doing about 20x more business with me.

  • CyberMurning on 02/06/2023 - 15:14
    -1

    once applied for basic card $1k limit, they made like 3-4 phone calls asking tons of questions and then demand letter from employer. i said fuuuk you and hangup.
    few months later, applied NAB qantas black card and got approved $35k limit

    • rikin87 on 03/06/2023 - 14:37

      what doc did nab asked for business CC ?

  • slknv on 02/06/2023 - 17:29

    Applied for an ultimate awards card 3 weeks ago to churn for the points, and they've been very lazy with processing the application. Had to call them up after 2 weeks to see what was happening. Bonus points apparently only for application before june 1 so if I don't get them I'll raise hell and move my business accounts to another bank.

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