ANZ Credit Card Application - out Source Call Centre

AnyFurtherDiscount on 13/05/2024 - 15:53

I applied for ANZ credit card for 100,000 points and got declined. I kinda guessed the outcome based on my churning profile. Got rejected via Amex last month also due to churning.

Here is the problem: ANZ using overseas staff and they barely speak English with a very strong accent. Woo woo dont attack me yet. I have a strong accent too, but at least I noticed that and I speak very clearly and slow. The representative spoke very fast and chewing the words (like the captain on your flight speaks). and here is the funny part.

*I am Health Care Worker and I received Salary Packaging.

Him: What is the deductions that occur every month?
Me: That is my salary packaging
Him: What's that for?
Me: Hmm to save money on tax? For certain amount I don't have to pay tax / tax free.
Him: But what is that for?
Me: hmmm as I just explained to you. That's saving from tax. It's benefit from my work place.
Him; I mean the money. What is that for?
Me: Hmm the money? I spend/save as usual like the taxed money. It is just No-Tax.
Him: No you don't understand?
Me: I guess so. I don't really understand your question.
Him: Nevermind. We can't offer you at this time. Bla bla bla

Financial Credit Card

Related Stores

ANZ
ANZ

Comments

  • WoodYouLikeSomeCash on 13/05/2024 - 15:54
    +5

    He was asking what you’re spending the money on in relation to the salary packaging?

    Me: That is my salary packaging
    Him: What's that for?
    Me: Hmm to save money on tax? For certain amount I don't have to pay tax / tax free.
    Him: But what is that for?

    • AnyFurtherDiscount on 13/05/2024 - 15:55
      -3

      That's a very general question. As I had answered to all the expenses upon my application.

    • ozbaragan on 13/05/2024 - 16:15
      +1

      Eneloop batteries to power my Tesla

  • CodeXD on 13/05/2024 - 15:55
    +3

    I still don't understand what you salary packaged for

    • pyramid on 13/05/2024 - 15:58
      +4

      That's saving from tax.

  • MS Paint on 13/05/2024 - 15:58
    +1

    I'm confused OP. Can you please explain in more detail what you spend on salary packaged tax?

    • ThithLord on 13/05/2024 - 16:03

      saving tax

    • BOGOF on 13/05/2024 - 16:23

      Clearly not logical reasoning lessons.

  • Aldonis on 13/05/2024 - 16:26
    +1

    can't imagine where the confusion arose OP

  • freefall101 on 13/05/2024 - 16:44

    Are you your own f*** buddy?

  • slknv on 13/05/2024 - 16:58

    ANZ have the. worst. credit card application process. Took them 2 months to approve me - now I've got my signon points going to churn out. Not looking forward to trying again in 12-18 months time

    • TheMindsetTraveller on 13/05/2024 - 17:29
      +1

      St George screwed me upside down and will avoid them and whoever owns them.

      Got an approval offer, was told to go into the bank to verify ID and collect new card as it was ready. Went to nominated bank, per letter, and was told they had no idea and after speaking to someone, said I had to verify ID with their call centre or some nonsense and my card has not yet been approved. I asked them to accept my ID in branch and they said they couldn't do it .. seriously? making up rules as we go, idk?

      Told them to f off and have never gone back

      • Brick50 on 13/05/2024 - 19:04

        When I refinanced to Bank of Melb (St George) myself and partner had to drive 1hr 40 to melbourne (closest branch) to verify our ID because their online service kept rejecting it

  • Gdsamp on 13/05/2024 - 16:59

    You see they need to do the off-shoring to increase profits & also offer enticing products like the one for which you have applied.

  • lakes_8 on 13/05/2024 - 17:24
    +2

    ANZ is the worst process ever - will never go through it again

  • localhost on 13/05/2024 - 19:21

    Usually they ask the following:
    1. How much you got every month?
    2. How much spend - for food, loan, rent, car, .etc….

    Just throw them any numbers and you will be ok.
    Like normal salary - $90-100k
    Spending: $2k rent, $1k food, $1500 bills/clothes.

  • umoddbro on 13/05/2024 - 19:54

    I too received a (missed) call from ANZ and yes it was from an overseas call centre…. Not sure what its about but they'll call me back tomorrow. I think for me NAB has the smoothest credit card application experience so far…

  • miwahni on 13/05/2024 - 21:18

    They're asking you where the money goes. Some people salary sacrifice into super, some use salsac for novated lease, some salsac into mortgage or rent. You could explain that it comes back to your bank account as tax-free income for living expenses, assuming that's where yours is going.

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