I cancelled my Citi Plat card last week, changed all direct debits etc, paid out the balance owing after twice questioning amount CSA told me. Three phone calls later it is cancelled but they've now determined (I'm not sure how) that they owe me $3.17 for which they are sending a cheque! When asked why I was cancelling (program changes etc) I told them I was going to apply for the QM Premier and perhaps they could just 'fast track' the application and move me across - oh, no, no, no, we can't do that.
Despite my inner voice telling me 'don't, don't, don't', the lure of the sign on bonus had me lodge the application and all docs seemed to have uploaded successfully (according to the website) but on Sat night received a message from QM asking me to call. Phoned on Sunday only to be told I'd have to phone on Tuesday (due to QB hol) and during business hours. Phoned this morning and apparently they only received one of the document files so I sent through the other two, was then told they would have to contact my employer to verify my income. Half an hour later I receive a call from QM with a rep from work HR dept on the line also - she required a confirmation email approving disclosure of my pay info to QM - which was all done while I was still on the phone and the conversation ended. 10 mins later, another phone call - I listed my total income of which my 'real job' represents 30% and of course QM tried to verify the total income with my employer and HR said that was not correct. When I advised the source of my other income they said they couldn't accept that - strange, as the ATO certainly does and I pay tax on it. I also advised that I had listed the same income stream when I applied for the Citi Platinum and it was accepted. Another two phone calls followed shortly asking for copy of the documents that did upload (??) advising that app was sent to approvals team and I would be advised in three or four days of the outcome.
I stopped and resumed the QM application a couple of times (inner voice was shouting at me) and in the between time applied for Westpac Black QF card for which I have received a tentative approval based on income verification.