CBA has been frustrating for me when it comes to opening a credit card account. They just keep declining me.
I applied for a Smart Awards card for a 10K limit, and they declined my application. I have been banking with them for ages, with all my home and investment loans (> 2m), and I have all my salary and rental income deposited into their account. They asked me for rental income statements, which I provided. My missus and I have plenty of income to cover it. But this is the second time in 3 years that they have declined me.
I don't have any issues with other banks (ANZ, Westpac, NAB, HSBC, etc) for providing credit cards with higher limits (15K). So, given I have recently signed up for the NAB Rewards Signature card, it looks like this will be my new go-to non-churn card from now on.