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How can a line of credit effect it? its a 30 year loan, that is fully offset. So no one with a mortgage can get a credit card? I did forget to mention, not that they even asked, I do have $200k in the bank, so paying back the credit card in 24 hours is simple.

Hi All, Honestly I'm a bit blown away by my rejection, even the call operator was shocked. I applied for an American Express Velocity Platinum so I can accrue some velocity points, instead of the Qantas points I get with my ANZ Black card. The issue is I am a high income earner and only have...