So I went out and did it...

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fantasy86dj
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Location: Australia

So I went out and did it...

Postby fantasy86dj » Wed Dec 12, 2012 1:34 pm

Good morning all,

Last night I applied online for https://www.americanexpress.com/au/content/frequent-flyer-cards/qantas-discovery-card/

I have applied for a card last year with American Express which was https://www.americanexpress.com/au/content/the-american-express-card/ however this time I lowered my credit limits by 22k to try and get the card and also I am applying for a credit not a charge card.

I have also paid off my car loan as well so hopefully I can get approved - only setback is that I have been at my current job for 3 months - lets see what the next few days bring with getting approved (hopefully) for the card.
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)


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djrez4
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Location: United States

Postby djrez4 » Wed Dec 12, 2012 11:03 pm

You went out and did two things that will, in general, lower your credit scores, in an attempt to get a new card?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

fantasy86dj
Centurion Member
Centurion Member
 
Posts: 164
Joined: Tue Mar 02, 2010 6:47 pm
ICQ: 387113
WLM: katoomba@live.co.uk
Yahoo Messenger: mettymeta242
Location: Australia

Postby fantasy86dj » Thu Dec 13, 2012 1:26 am

I succeeded - lowering my limits helped - I asked amex - because last time I applied my limits were so high it went against me too much. I got approved with $3900 limit
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)


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djrez4
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Postby djrez4 » Thu Dec 13, 2012 8:36 am

Congrats on the approval.

They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

fantasy86dj
Centurion Member
Centurion Member
 
Posts: 164
Joined: Tue Mar 02, 2010 6:47 pm
ICQ: 387113
WLM: katoomba@live.co.uk
Yahoo Messenger: mettymeta242
Location: Australia

Postby fantasy86dj » Thu Dec 13, 2012 2:38 pm

djrez4 wrote:Congrats on the approval.

They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.


Thanks - they do things a lot differently here compared to there. Having high limits with good usage still can go against you if the income you recieve is not really high. There are so many differences !!
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)

hematino
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Location: Atlantic City, NJ

Postby hematino » Fri Dec 14, 2012 12:51 am

djrez4 wrote:Congrats on the approval.

They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.


Thats true, but sometimes high limits in relation to income can be seen as high risk to lenders. I've been denied a few times for no stated reason other than having too much available credit.

Congratulations on the approval, fantasy86dj!
Now she's eyeless.
The snakes she held once
Eat up her hands.

fantasy86dj
Centurion Member
Centurion Member
 
Posts: 164
Joined: Tue Mar 02, 2010 6:47 pm
ICQ: 387113
WLM: katoomba@live.co.uk
Yahoo Messenger: mettymeta242
Location: Australia

Postby fantasy86dj » Fri Dec 14, 2012 3:29 am

Thanks - I am kinda on cloud 9. I might post a picture next week when I get it.
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)



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