ANZ Declined 4 Credit Card Applications

StonedWizard on 09/05/2017 - 08:48
Last edited 09/05/2017 - 21:18

I applied for a credit card with ANZ and during the application stage it gave a message saying the system was down for maintenance and to try again or call them. Called ANZ and the person over the phone said that the maintenance was over and not to worry as the application wouldn't have gone through.

I tried again and it gave the same message, so I called back and the person said to keep trying and if it doesn't go through then to call back on Monday. On my 5th attempt I finally managed to get one to go through.

On Monday and they said the system had registered it as 5 applications with 4 being declined and all 4 will show up on my credit report. The complaints person said they can't tell me for sure if they'll be able to remove the 4 declined applications. ANZ said it will take 4 working weeks for them to reach a decision on whether or not they can remove the 4 declined applications and credit checks on my file.

The fifth application attempt is still pending but ANZ said they'll leave a message on file for the credit assessor and hope they take this situation into consideration but most likely I will be declined for the fifth application. Due to all this.

I'm really worried this will effect my future applications when I was just following their advice.

Has anyone been in a similar situation ?

This is the message which came up.

http://imgur.com/a/5QXeZ

Financial

Related Stores

ANZ
ANZ

Comments

  • [Deactivated] on 09/05/2017 - 08:55
    +1

    have you checked your credit file on the multiple free credit check websites to make sure there is no defaults or bad marks on it?

    • StonedWizard on 09/05/2017 - 08:59

      Yup started receiving emails yesterday from Equifax and Credit score showing a lower score.

  • [Deactivated] on 09/05/2017 - 09:33
    +11

    Banking ombudsman

    • try2bhelpful on 09/05/2017 - 11:24

      Contact ANZ again first and explain you are going to the ombudsman; the ombudsmen prefer you try to resolve it yourself first before going to them.

  • chumlee on 09/05/2017 - 09:50
    +3

    ANZ will have a complaint/dispute process so go through this first then ombudsman if no success

    • John Kimble on 09/05/2017 - 13:03

      Sounds like he's already complained.

      The complaints person said they can't tell me for sure if they'll be able to remove the 4 declined applications.

  • apple2016 on 09/05/2017 - 10:49
    +2

    why would you even bother submitting a CC application when the website is clearly not working?

    • StonedWizard on 09/05/2017 - 21:19

      This was my mistake for not wording it better. When I called up the first time the person told me the maintenance was over and to re-apply. Then when it happened the person I spoke with the second time said the same thing.

  • niiko on 09/05/2017 - 11:55
    +4

    "the person over the phone said that there was maintenance"

    "I tried again and it gave the same message"

    "On my 5th attempt"

    The End

  • John Kimble on 09/05/2017 - 13:01

    What is the point of this post?

    Do you want them cleared more quickly than 4 weeks?

    I'm thinking all you can do is wait 4 weeks and then go to FOS to escalate if they haven't removed them.

    • StonedWizard on 09/05/2017 - 21:20

      I'd like it cleared quicker than 4 weeks but if thats the policy I can't do anything.

      I'm more concerned ANZ will make up some BS and say they can't clear it which will penalise me in the future.

  • jjjaar on 09/05/2017 - 18:05

    ANZ are the worst bank to deal with. I would count this as a blessing in disguise and go elsewhere.

Login or Join to leave a comment
Login Join