I applied for the Black card with a zero credit card balance and zero mortgage in the application process and was approved in sixty seconds with 32K limit. However when I applied for the Black card for my beautiful wife the application process didn't allow a zero mortgage, so I was forced to put $1.00 and the application was referred to customer service to verify financials.The only differences in both applications were the title,name,DOB and licence details, all other details were identical. Next day my gorgeous wife received a phone call from ANZ requesting her to confirm orally her income details and the value of her assets and was requested to forward documents to verify her income details. I am interested to see if she is approved with the same credit limit.