I’ve recently applied for the Citi bank signature credit card to take advantage of the bonus QF points on offer, and unfortunately been declined with no reason given.
I then requested my credit report from Veda and im assuming it is due to a $150 listing on my file I had with Vodafone, which has been settled. Back in 2012, I had the Vodafone dispute when they network broke down, long story short, left Voda and they billed me for that amount, the emotion then got the better of me and decided not to pay it, but the amount has been settled in 2014 eventually.
And since I had no issues with my credit rating, renewed my Telstra contracts through out the years after I left Voda, and applied and approved for the ANZ black card, however Citi seems to be a bit tight on their policy, and when I contacted them to enquire (mind you their communication was poor, a foreign call centre with different staffs telling me different stories), they basically said no reason is given, and its just been declined, and that was it.
I would have thought there could’ve been some sort of investigation team where I could present evidences re the listing on my credit report (countless of email threads back and forth with Voda back in 2012 and the TIO corresppndance as well).
I was just wondering if this is a common practice? or is it only a few particular banks?
Seems weird that ANZ had no issue with a $15k limit black card.
Thank you guys in advance.