• long running

Bendigo Bank - Ready Credit Card - $0 Annual Fee, 0% International Fee, Travel Insurance

2001
Bendigo Bank - Ready Credit Card - $0 Annual Fee, 0% International Fee, Travel Insurance
Go to Deal
E5TOQUE on 06/12/2023 - 16:40 bendigobank.com.au (12206 clicks)
Last edited 10/07/2024 - 22:35

Bendigo Bank Ready Credit Card

This is a repost from the original deal here:
https://www.ozbargain.com.au/node/742184/

Remember OzBargain has their Wiki here for all cards similar to Bendigo Bank's Ready Credit Card.
https://www.ozbargain.com.au/wiki/cards_with_no_overseas_tra…

This card could be good for people looking to go on overseas holidays over the xmas/ new year period and beyond.
It has some advantages other cards don't have like a lower minimum credit limit, joint accounts and travel insurance.

Joint Accounts Available

Bendigo Bank support joint credit card holders.
Joint account means the credit facility is opened under two peoples names. Not many banks offer this on credit cards.
https://www.finder.com.au/joint-account-credit-cards

BSB/Account Number linked to the card

Which enables you to send fast payments directly onto the card. No need to send money in via BPAY.
Not all banks support sending fast payments via BSB/Account No, so you will need to check with your respective bank.

Other features

  • Uses the Mastercard Exchange Rate (https://www.mastercard.us/en-us/personal/get-support/convert…)
  • 0% International Fee
  • $0 Yearly Fee
  • Joint accounts available (you apparently need to go into a branch to set this up)
  • $0 Additional Card Holder Fee
  • 90 Days Travel Insurance (inc cancellation cover)
  • Extended Warranty on purchases
  • Purchase Protection on purchases
  • $3000 minimum credit limit

Bendigo Bank is also considered an 'ethical bank' with no investments in fossil fuel's according to Market Force:
https://www.marketforces.org.au/info/compare-bank-table/

Enjoy.

Financial Credit Card Insurance MasterCard Travel Insurance

Related Stores

Bendigo Bank
Bendigo Bank
MasterCard AU
MasterCard AU
Marketplace

Comments

  • itoyjobed on 07/06/2024 - 22:17

    Submitted an application for Bendigo. Lets see the outcome.

    • timhn on 13/06/2024 - 14:05

      And?

      • itoyjobed on 18/06/2024 - 18:18

        Card approved and dispatched.

  • pollambo on 22/06/2024 - 18:31

    For anyone who has this card, can you please advise regarding the web and mobile application experience?
    1. Does the app/website categorise your spending?
    2. When completing an online purchase, is it a 6 digit SMS OTP or is the 2FA via the mobile app like Macquarie?
    3. Can I add the card via Apple Pay/Google Pay right after approval?
    4. Is there any chat support in the app? Or is it voice phone call only?

    Thanks!!

    • goodfella on 22/06/2024 - 20:22
      +2

      You're dreaming about all of it! It's Bendigo, community bank, not some technology masterpiece like Macquarie. Having said that, I have this card because of joint account, no fee, low credit limit, and travel insurance. Good "forever" card for a couple/family.

      • Dr Phil on 10/08/2024 - 18:02
        -1

        Well summarized!
        1. ???
        2. ???
        3. Yes
        4. Call your local branch

        • Dr Phil on 14/08/2024 - 15:05
          -1

          I see the Neg-voting TROLL is hard at work here

    • E5TOQUE on 23/06/2024 - 20:43
      +1
      1. No - but they recently introduced a 'recurring bill' section within the app/website.
      2. It pops up depending on how much is spent. No idea what that limit is. But I have had to get approval done for some high value transactions.
      3. Bendigo Bank does have instant card provisioning.
      4. They have a 'messaging' section under the support section of the app. It is not live chat however. But they do generally reply within 24 hours or less. Otherwise you can call. I've never had long wait times when I've called them.

      Bendigo Bank does support Open Banking. So if you want really in depth bill tracking/budgeting, then sign up for Pocket Smith and integrate Bendigo Bank (and all your banks/credit cards) into it. I think it's only $10 a month and it's a brilliant service. Very powerful.

    • pollambo on 06/07/2024 - 17:55

      Appreciate the replies! Thank you!

  • jrvb42 on 01/07/2024 - 19:47
    +2

    Sadly, an application system so restrictive and brain-dead, that those with 2 middle names cannot apply online, as their online ID check will fail (since the application doesn't allow spaces in the middle name, and IDs have two middle names with a space between!).
    Worse, rather than holding the application, and simply doing the ID part manually, these cretins reject the application and force you to go into a branch AND REAPPLY (not just complete the existing app). OMG.
    Not the first time Bendigo has been idiotic in my experience.

    Great product, let down by hopeless IT systems and processes.

    • flywire on 09/07/2024 - 14:54

      those with 2 middle names cannot apply online

      ??? what about no middle name?

      • jrvb42 on 10/07/2024 - 08:06

        That should be fine. It's the programming error not to allow spaces that seems to be the problem.

    • ComputerPC on 24/07/2024 - 13:17

      Same boat. Need to get the document to the branch and the branch say they dont know what to do with my document. All going around 2-3 times until I contact them again

  • Dr Phil on 10/07/2024 - 18:16
    +2

    Heads up with Bendigo Bank

    They have an extraordinarily painful application process.
    Much more detailed and complicated than other banks.
    They want to know absolutely everything about you and want copies of all your documents.
    Seriously its overkill to the max.

    They treat a simple credit card application with $3,000 credit limit same as a $1M loan.

    Just saying - might put some people off.

    • jrvb42 on 14/07/2024 - 13:12

      Also my experience.

      • Dr Phil on 17/07/2024 - 08:42
        +1

        So far its taken me 3 weeks to get the required docs to Bendigo Bankl via back and forth communications
        Their secure upload link kept failing so had to print out and drive to local Bendigo bank.
        Then they tell me it will take another 15 working days to process!
        Seriously???????????

        And then they might require even more docs

        If thats the case Im just going to tell Bendigo Bank to forget about it and apply for the HSBC (FREE) Premier World Mastercard
        https://www.hsbc.com.au/credit-cards/products/premier/

        Already a HSBC Premier customer so should be a breeze

        • jrvb42 on 18/07/2024 - 09:53

          Definitely do that - I'd go HSBC Premier if I could qualify - enjoy! (I'd also go Bendigo anyway, but looks like I don't qualify! In fact, according to their ridiculous parameters, I shouldn't have ANY of my existing credit cards, or my mortgage! I simply don't have enough income to even survive apparently - maybe that's why I'm so often overseas! Their approval algorithms are seriously crazy.)

          • timhn on 18/07/2024 - 12:29
            +1

            @jrvb42: Agreed.

            Seems Bendigo don't like churners. I closed a $15K CC from ANZ and then applied for a lowly $3K CC from Bendigo but got an instant rejection. I then went apply for HSBC $6K CC and got approved without hiccup.

            • Dr Phil on 18/07/2024 - 16:10

              @timhn: Thanks for the feedback jrvb42 and timhn

              I will give Bendigo Bank the time they require as my interaction with the branch staff and even the branch manager has been amazing.
              Its good old fashion service that no longer exists in any other bank.
              Also HSBC is pretty good as well.

              But yes, if Bendigo bank's approval system cant handle my "preferred" income status (like you guys) then its off to HSBC where they will without a problem.

  • MeatyOne on 01/08/2024 - 12:18
    +1

    Bit of a waste of time this deal. Applied over 2 weeks ago and have spoken to Bendigo Bank twice about where my application is at. Was provisionally approved initially and had to submit pay slips which I did immediately. Have heard nothing since. I've rang them twice asking about the status and they've said that there is a large backlog of applications due to this specific card. Already have an AMEX but wanted this for when I go away in a couple weeks. At this stage I'm doubting it will arrive or be approved remotely in time. For reference I am mid-100k salary plus additional income of 40k per year post tax. No other debts or expenses owing. Applied for 5k limit. I would say don't bother applying based upon feedback from others and own experience.

    • Dr Phil on 03/08/2024 - 17:31

      Yes as I warned.
      A very tedious application process with Bendigo Bank unfortunately.
      They wanted 2 years of complete 16 page tax returns (not just the one page taxable income assessment) , loan statements, bank statements. share holdings statements and a full living and investment expenses declaration.
      Unbelieveable!
      They treat everyone as a high risk 20 year old in thier first job earning only $500pw.

      I eventually got my Ready card approved but it took about 4 weeks and they gave me a very ordinary $6,000 card limit.
      This after I had a $10,000 limit with Bankwest over the past 20 years.What an insult!

      I then applied for the HSBC Premier World mastercard with a minimum $10,000 credit limit.
      This is actually a much better credit card, also with ZERO annual fees (but with 3% Forex fees if you buy/use o'seas) and got my approval and credit card within 4 days!
      But I had already qualified as HSBC Premier customer which I felt helped a lot.
      HSBC only asked for 2 pieces of paper…. My Notice of Tax assessment showing my taxable income from last year and my most recent bank account statement showing my regular income going into my account. Too easy!

      • flywire on 12/08/2024 - 16:14

        My Notice of Tax assessment

        Would be more than that for self-funded retirees - zero taxable income.

        • Dr Phil on 14/08/2024 - 15:00

          HSBC asssume you refer to) also ask to see your bank account statement showing your deposited income for last 2 months.

      • Nom on 13/08/2024 - 16:46

        That's weird, a guy in my office applied three weeks ago and the only two things he had to upload were a payslip and his last ATO notice.

        I was going to apply myself, but I can't be bothered if the shenanigans are as complex as they were for you! Is there something special about your situation ? Are you self employed ?

        • Dr Phil on 14/08/2024 - 14:35
          -4

          Yes. self employed/ property investor/owner.

          As I indicated Bendigo Bank are set up for "simple/uncomplicated customers".
          ie Your typical weekly wages/salary income earner with minimal savings

          Whereas HSBC are set up for "Premium" customers with high incomes and assets

          • Dr Phil on 14/08/2024 - 14:40
            -2

            @Dr Phil: What MORON would neg vote a simply reply to a question within 5 seconds?

            Seriously the number of "jealous pea-brains" here with NO IDEA asnd NO MONEY AND NOTHING ELSE TO DO is incredible.

            GROW UP AND GET A LIFE!

            • Dr Phil on 14/08/2024 - 15:03
              -2

              @Dr Phil: Dear neg voter…
              Pls go and play somehere else or make a constructive comment like I do.
              Im here to assist people and provide guidance…you are obviously here to annoy people.
              You are what others commonly refer to as a TROLL!

  • RG146 on 07/08/2024 - 19:37
    +2

    Decided to apply and cancel our 28Degrees card - first time I’ve ever been declined on an application!!

    Very odd, now I’m gun shy to apply elsewhere.

    • thangcuoi on 09/08/2024 - 00:05

      Same.

      The online rejection of my application was due to unable to verify ID online.

      The confirmation email said it did not meet our credit eligibility guidelines.

      • Dr Phil on 10/08/2024 - 17:39

        I got the same credit card REJECTION online.
        Their online credit card application software is atrocious !

        Best to go into a branch or call them and get them to send you the application form.
        Complete it and send it back to them via thier secure upload link….do not attempt to email it back.
        You need to contact the staff and get them to send you an email with the secure upload link.

        Thats how I got my application approved.

        • RHSteven on 12/08/2024 - 11:29

          I called in and they asked me to go to the branch to apply. Where did you call to get them to send you an application form?

  • CodeXD on 07/08/2024 - 22:06
    +1

    Just applied! Another one moving on from 28 Degrees card

    • eek on 08/08/2024 - 09:36
      +1

      Ditto. Just put in cancellation request for 28 degrees card due to upcoming fees.

    • Dr Phil on 10/08/2024 - 17:43
      +1

      I wonder how many are moving across like me from the Bankwest Zero Platinum mastercard.
      This has now had all the "Platinum" insurances removed so stripping it of any platinum card benefits

  • sydshopper on 08/08/2024 - 10:24

    28 degrees now charging a monthly fee. Time to find a new credit card for international transactions!
    "A card fee of $8 per month will be introduced. You will see this fee being charged on your first statement from 17 September 2024. "

  • CodeXD on 09/08/2024 - 12:31
    +1

    Hi, your recent Bendigo Bank credit card application has been received. Due to an unprecedented increase in applications in the last few days, the impact on application assessment times is unknown.
    If you have not uploaded the required income verification documentation, please follow the instructions on your application progression email or email your documents to [email protected] as soon as possible. No SMS reply available.

  • Gorodemon on 09/08/2024 - 12:33
    +1

    I've applied for this card a few days ago and just received this message "Hi, your recent Bendigo Bank credit card application has been received. Due to an unprecedented increase in applications in the last few days, the impact on application assessment times is unknown.
    If you have not uploaded the required income verification documentation, please follow the instructions on your application progression email or email your documents to [email protected] as soon as possible. No SMS reply available."

    Mass exodus of 28Degrees customers is happening now. Maybe we should mark this deal as OZBargained?

    • korda on 14/08/2024 - 08:30

      I just got that too.

    • Gorodemon on 14/08/2024 - 08:44

      I just got a rejection from Bendigo Bank but they didn't clarify the reason. FYI, I churn credit cards on a regular basis to chase QF points. I reckon they don't like this.

      Looks like I'm going to get Bankwest instead.

      • timhn on 14/08/2024 - 17:24

        Yes seems so. I've applied (and got rejected by) them twice in last two year - 12 months apart.

        The irony is that I can then apply for a higher credit (15K from ANZ vs $3K from Bendigo) from a different bank and got approved without issue.

        • Dr Phil on 17/08/2024 - 12:00
          +1

          I found the same when i applied online.
          You need to apply directly with a Bendigo bank branch rather than online.
          Call the local one and get them to email you an application form together with a secure upload link.
          But even with thier secure upload link some of my documents wouldnt upload.
          The process was very frustrating and in the end I have to print out my supporting documents and take them into my local branch.
          Thier online system is more than hopeless!

          But yeah.
          Bendigo bank only gave me a $6K credit limit. (I asked for $10K as I had this with my old Bankwest Platinum Credit card)
          And that was after going to and fro over a period of about 4-5 weeks and another week to get the card in the mail.

          Straight after I got approved, I applied with HSBC who gave me a credit card with a $10K limit and it only took 3 days and another 2 days to get the card in the mail…chalk and cheese!

          Bendigo Bank are very padantic but they give good, old-fashioned friendly, customer service.
          Once approved you will grow to like them.

          • 89tnp on 24/08/2024 - 11:08
            +1

            @Dr Phil: think I might have to do this.

            got rejected on 3k limit to replace 28degrees

            taxable income >150,000

            equifax score 966
            experian score 869

            • Dr Phil on 24/08/2024 - 12:06

              @89tnp: Its rather unbelieveable.. right?

              I assume you applied online.

              So try the branch application process

            • Nom on 25/08/2024 - 13:01
              -1

              @89tnp: You didn't mention your other liabilities and expenses - these are the most important factor.

              900 Credit score and $150K salary don't mean anything if you have high enough expenses and other active lines of credit - banks will only approve you if they think you have enough spare money to repay their particular loan.

              They'll also deny you if there are obvious fibs in your declaration - for example, if you're a family of 4 and you say you only spend $200 a month on groceries, then they immediately know you're not telling the full story.

              • Dr Phil on 25/08/2024 - 16:10
                +1

                @Nom: Online process is largely automated.

                If you tick all the boxes and fit within all thier parameters your application gets submitted for approval..

                If not, the system throws your application out and tells you to contact the local branch.

                • Nom on 25/08/2024 - 18:26

                  @Dr Phil: That's exactly what I said.

                  As long as all the numbers you give, fit into their automated process, then your application will sail through.
                  This process looks at more figures than your income and your credit score - your expenses and liabilities are what get you over the line (or not).

              • 89tnp on 25/08/2024 - 22:49
                +1

                @Nom: The numbers I put in for expenses are low. I live alone, no dependents, no outstanding debts outside of mortgages.

                Unless I am mistaken, I don't recall the application ever asking how much I have in savings either (?)

                Just odd that different organisations are using different metrics to determine whether someone is eligilble or not.

                For example:
                I previously had a credit card with at 15k limit. I applied for another 15k limit credit card and it was granted.

                I am now in the same position with a (single open) credit card with 15k limit, but can't get a 3k limit credit card?

                • Nom on 26/08/2024 - 01:15
                  +1

                  @89tnp:

                  Just odd that different organisations are using different metrics to determine whether someone is eligilble or not.

                  Yeah it's infuriating - especially because they don't even tell you what the metrics are !

                  A friend of mine got denied on a car loan even though he'd listed savings that were significantly more than the car was worth - they didn't like the fact he had other credit cards so loan denied even though he had more than enough money to just buy the car outright if he'd wanted to - and the application showed it.

                  The system is stupid.

                • Dr Phil on 26/08/2024 - 19:00
                  +2

                  @89tnp: Thats Bendigo bank for you

                  Dont forget they are not a BIG BANK.
                  So they think SMALL

  • wxwsf on 09/08/2024 - 21:30

    Can someone pls let me know whether travel insurance covers the card owner only despite booking made for whole family, thank you

    • goodfella on 10/08/2024 - 16:40

      Covers the whole family. But it might require $500 travel expenses charged on card per family member, not just per travel. I'm yet to figure it out how to read that PDS statement properly.

      • wxwsf on 11/08/2024 - 10:08
        +2

        went to PDS at page 15 clause 3, $500 spent on each person to be eligible

        • Dr Phil on 17/08/2024 - 12:07
          +1

          And must be living at same address.
          Not sure how you prove this or they disprove this but anyway

  • RHSteven on 12/08/2024 - 11:20
    +1

    Hey, anyone who has got two words in their first name applying this CC?
    Their system doesn't seem to allow two words in the first name?

    • Shissona on 15/08/2024 - 21:55

      Yep. My partner has the same issue… So silly

    • timhn on 16/08/2024 - 04:38
      +1

      Same as in middle name - no more than 2 words allowed. Such a silly, antique validation.

    • Dr Phil on 17/08/2024 - 12:09
      +1

      Thier online system is absolutely useless.

      Call the local branch and ask them to email you an application form to fill out.

      You need to get them to email you a secure upload link to send back the completed application form and any supporting documents.
      Or otherwise drop them into your local Bendigo branch

  • CodeXD on 16/08/2024 - 13:23
    +3

    Applied for this card Wed, 07/08 and got approved today 16/08

    • Dr Phil on 17/08/2024 - 12:12
      +2

      Amazing…

      You must be earning salary or wages, no other income, no loans or other credit cards, and only first and surname???

      So you tick all thier boxes and no questions to ask

      • CodeXD on 17/08/2024 - 14:10

        You're way off there mate.

        I earn salary but have other income, mortgage loan, and 4 other credit cards. I have a middle name.

        Don't know why you're pressing so hard to stop people from signing up to this card by falsely sprouting those nonsense and passing them off as "facts". I see that you've been approved for this card too.

        • Dr Phil on 17/08/2024 - 14:30
          +1

          Read all the comments !
          read all the problems many people have with Bendigio bank had including myself.

          Im not putting people off.
          Just sharing similar experience to others.

          YOU ARE THE EXCEPTION!
          WELL DONE.
          How did you do it?

          Cheers

    • CodeXD on 27/08/2024 - 22:32
      +2

      Received the card today. Must have arrived on horse and carriage

      • Chhaava on 28/08/2024 - 13:37

        What's the processing time like? I'm also waiting. Received 2 text messages so far.

        • CodeXD on 28/08/2024 - 13:49

          Applied for this card 07/08 and got approved 16/08. Card arrived 27/08

          • Chhaava on 28/08/2024 - 13:52

            @CodeXD: Pretty quick. Mine is taking time. Let me wait for the outcome

  • Hogg on 18/08/2024 - 11:47
    +3

    Just wanted to add another data point. Self employed. Super easy process to get approved. I was worried reading the other comments but it was fine.

  • Bredo on 20/08/2024 - 10:24

    Like many others, I've closed my 28D and applied to this card on the 8th Aug. Also received the SMS about delays, and still waiting today. I've called them up to ask, and they say nothing but to wait as they're busy

    • Bredo on 20/08/2024 - 15:56

      FWIW just got another SMS: Hi, your recent Bendigo Bank credit card application is progressing in the queue. Please ensure you have supplied us with the required documentation. Once we begin our assessment if we require additional information one of our assessors will contact you. No SMS reply available. 🤞

  • Benzy on 20/08/2024 - 11:02

    Closed 28 degree due to monthly fees. Apply Bendigo, first received email that lots of application, received SMS about delay. Now received email that they have declined my application. No specific reason mentioned :(.

    • Bredo on 20/08/2024 - 11:13

      Damn :(

    • timhn on 20/08/2024 - 14:48

      How many days between the SMS and rejection email?

      • Benzy on 20/08/2024 - 15:06
        +1

        SMS was on 9th August and rejection was on 18th Aug.

        • timhn on 20/08/2024 - 18:23

          Wow, took them that long.

  • Chhaava on 22/08/2024 - 11:22

    I got a text message stating my application is in the queue. Let's see whether they are approving. I have no CC rejections so far

    • timhn on 22/08/2024 - 14:10

      Same. Applied on 18/08, got 1st sms next day that they received the application. Received 2nd sms yesterday that now in progressing queue.

  • Gundala on 22/08/2024 - 21:38

    I have just applied online and couldnt finish the online application because I got an error message which says ' Invalid Public RSA key". Has anyone had the same issue?

  • 89tnp on 24/08/2024 - 11:06
    +1

    Thank you for your application.
    Unfortunately, we can't approve your application as it did not meet our credit eligibility guidelines. If you would like to discuss your eligibility further, please call us on (03) 5485 7848 and quote the reference number at the top right of the screen.

    WTF?

    applied for 3k limit, taxable income >150,000

    equifax score 966
    experian score 869

    • timhn on 25/08/2024 - 21:00

      Do you opened and closed CCs that often? Based on many rejections reported here, I believe Bendigo don't like churners.

      I have applied Bendigo in the past for a mere $3K and got instant rejection. Then applied ANZ immediately after the rejection with $15K limit and got approved within 24hrs.

      • 89tnp on 25/08/2024 - 22:50
        +1

        This could be it - but there's no 'bonus points' associated on this card, so there's nothing to 'churn'

    • Manazuru on 02/09/2024 - 08:34

      Ah great, that fills me with confidence. Really want this card for an overseas trip in November due to no sign-up fee and no international transaction fee's. Already have a points earning CC (had it for years) and a mortgage, so not sure if I'll be approved or not.

      Guess they make not like churners as they want customers to hold onto their CC as long as possible….

    • rith on 02/12/2024 - 14:51

      Yeah I went for the lowest limit and also got an instant rejection with the same email you got. Never been rejected before!

  • timhn on 27/08/2024 - 12:47
    Just received 3rd msg from Bendigo :
    Hi, your recent Bendigo Bank credit card application is progressing. With the unprecedented influx of applications over the last 2 weeks, processing times have become extensive. We are working hard to get back to you. No SMS reply available.
    • Dr Phil on 04/09/2024 - 18:24
      -1

      They are getting plenty of latitude customers right now as well as BankWest Platinum card holders as bankwest have stripped those wonderful free insurances out of this card.

  • tencents on 30/08/2024 - 12:27

    After no updates for some time, I went to the application tracker and my application was withdrawn. Wtf? No email, nothing. It didn’t t say rejected… is withdrawn same? I doubt it right? I didn’t withdraw!! Don’t know what happened… can’t be bothered calling them.

    • Chhaava on 31/08/2024 - 08:07

      Really. Mine shows pending assessment. No outstanding actions required. I have never been declined for CCs. I heard Bendigo use to reject applications for no reasons.

      • YesPleaseThankYou on 31/08/2024 - 09:35

        I heard Bendigo use to reject applications for no reasons.

        Ridiculous statement to make.

        • Dr Phil on 31/08/2024 - 11:23
          -2

          Bendigo bank have too many square boxes to fill and most people have many round pegs.
          This applies for online applications.

          best to apply directly through a branch.
          Get them to send you out an application form.

          Alway better dealing with a person

          Im quite strong financially with multiple reliable income sources but got "rejected" online.
          No problem when applying directly with branch.
          Just took a few weeks as the branch lending manager was very busy.

          • Manazuru on 02/09/2024 - 09:15

            @Dr Phil: Interesting, never thought about going into a branch these days for a CC application.
            Bendigo Bank are probably swamped with applications and probably skim through the applications are reject many that should be approved.

            • tencents on 02/09/2024 - 10:03
              +2

              @Manazuru: Ok so I called up. They did email me and went to my junk mailbox. After sending a few more document, an hr later it was approved and the card is on its way.

            • Dr Phil on 02/09/2024 - 15:29

              @Manazuru: As you found out…
              They take thier time at branch level and go through each application very carefully - asking for additional documenmts as required.
              Thats why it takes a much longer time.
              No they dont reject good applications at branch level.

              Only the online system does that because its useless.

              • Dr Phil on 02/09/2024 - 15:33

                @Dr Phil: And what fools neg voted my very helpful comment above?
                Seriously I speak from personal recent experience.
                I even had 2 conversations with the local Bendigo Branch manager!
                So I KNOW what Im talking about !!!!

                These neg voters obviously have NO IDEA and so hide behind neg votes instead of commenting and so avoid making a fool of themselves - how sad.
                If you have nothing useful to say then go elsewhere please,

  • N1902 on 03/09/2024 - 12:22

    Even my online application for the Bendigo easy credt card was rejected despite having a good credit score. I spoke to a personal banker at a local Bendigo branch over phone and she sent me a docusign form for the credit card application and a secure link to upload all my documents, Bendigo definitely asked for a lot of documents from me which included- bank statements, rental income statements,payg summary,existing bank loan statements ,existing credit card statements and salary slips for 2 months.I didn’t supply so much for my other credit cards like ANZ,Citi which are mainly used for getting air miles
    She said they have lot of latitude customers who have come to Bendigo for the ready credit card and they are having a lot of applications hence its taking a long time to process the applications.
    Hopefully i get this as this is one of the few cards avalailble in Australia which offer 0 foreign transaction fee and 0 annual fee, which is quite useful for overseas use.

    • thangcuoi on 03/09/2024 - 12:27
      +1

      Just received a rejection after going through the Virtual teller/online Docusign process. This is after the initial rejection in early August due to online ID verification error. Going to try again with the local branch.

      I have never had so much trouble applying for a credit card.

      • Dr Phil on 04/09/2024 - 18:22

        Their online application system is a complete waste of time.

        Unless you fit thier "exact" credit card profile you will be rejected, regardless of how much you earn and how financial you are.

        • Nom on 04/09/2024 - 18:24
          +1

          You realise there are a gazillion people in this very thread, who have used the online application system with no issues at all ?

          It's definately not a complete waste of time 🤷🏼‍♂️

          • Dr Phil on 04/09/2024 - 18:26

            @Nom: Id say "a few"

            Most have suffered unwarranted and inexplicable rejections through online process.

            How did you go with your application?

    • Dr Phil on 04/09/2024 - 18:19
      -1

      Sounds like you are in good hands.
      This is exactly how ot went with me.
      However I was looking for $10,000 credit limited but they only gave me $6,000.

      Other OBers have made similar complaints even though their application was successful overall.

      So just giving you a heads up.

      • Manazuru on 06/09/2024 - 07:24

        Sounds like they're very risk adverse.

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