Any experience dealing with BankSA, St. George and Bank of Melbourne?

Hi guys.

I want to ask, if any of the fellow hackers had experience with any of these 3 banks in the past:
Bank SA/ St. george / BoM.

They all have got a amplify signature credit card with bonus qantas points. Just wanted to see which one is the best to deal with ?


they are all owned by Westpac. I would think the same area processes all applications.

the 3 banks I think have interoperability.


Just my personal experience, I got declined by St. George but approved by Bank of Melbourne.  Go figure.  So from my experience, Bank of Melbourne.