amazing how so many have had problems getting them to contact you. i've got an incomplete application because i didn't answer a question properly (a ridiculous question at that: ie. please nominate the name of a family or friend not living with you for no reason whatsoever - i wrote: 'i have no friends'), mainly because i think this question serves no purpose at all in the application process). now they're persistently calling me, leaving voicemail messages and i got an email as well to complete my application. oh and they are also doing all this AFTER the expiry of the points offer i was after. coincidence? i think not. does anyone know if an incomplete application will do anything to credit rating? i seriously doubt it. i'm expecting eventual rejection but sounds like this mob could just leave it open for a significant period of time in desperation.