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[kamchatsky]

I am very surprised by the number of rejections from JQ (!) for AFFers. I would have thought most AFFers have decent income to support the card. I wonder why that is the case? Maybe signed up too many cards?

 

[The Rok]

If it was as a result of having too many cards or too many enquiries then the letter to you will have to say so by law.

It will read something like "you didn't meet out strict lending criteria yada yada yada"

"our decision was based in whole, or in part on information contained on your credit file"

 

[penegal]

I am really surprised so many of you were rejected, especially some of you I know well off the forums.

I will apply today or tomorrow. Will be interesting to see what they do with my application.

 

[anat0l]

I might see how they may reject mine.

They must be pretty tight on lending criteria. Kind of anti-thesis to the whole credit industry at the moment, though morally that's supposed to be a good thing.

I wonder if they had a similar approach to my sister's bank who eventually approved her finance on a new house. My sister is paid on commission (but she has a "minimum retainer" that she is paid if she doesn't make a certain threshold, i.e. her pay is the retainer or commission, whichever is higher), which apparently was most unsettling for the bank she applied to. She had to get a signed letter of explanation from her employer before the bank was convinced that she possessed any financial capacity to service a loan.


I'd know there are a decent number of people here who are paid on contract terms rather than salary or other set wage.

 

[Atom]

Did anyone who got declined ever get asked to send in their payslips?

 

[awilcockson]

I'd know there are a decent number of people here who are paid on contract terms rather than salary or other set wage.

I earn well over the average wage, have been employed by the same company for 6 years and don't have a huge mortgage. The only thing I can think is that they rejected me because I earn too much and their chances of ever seeing any interest payments from me are so low that they don't want to give me the card.

 

[trippin_the_rift]

My guess would be they look at other card applications in the past 12 months. If over X unsecured applications - OR - an application with certain financial instituions (eg: amex) then it's instant decline. It's about profiling for a specific type of customer they know makes them money, and not 'if you can afford it'. Jetstar marketing would have an in depth profile of a typical customer of theirs who would take the card out and make them money. Did you provide QF# during the process? Could be they looked up your QF status and instantly reject all Platinums. Could be that they only want to approve 18 year old females that want to go on a trip to bali who will never actually use those points. Perhaps everyone gets declined, then will receive a follow up offer in a month...

Who knows... Jetstar still sucks.

 

[oz_mark]

I wonder if people that had recently applied for the Virgin Flyer offer were on the reject list :shock:

 

[kpc]

I wonder if people that had recently applied for the Virgin Flyer offer were on the reject list :shock:

After the saga I had with the Virgin flyer card, I'm leaving this one well and truly alone...:shock:

 

[scheps]

I got rejected as well, and am debt free... maybe its my total cc limit....

I heard someone got one without showing payslip.

Maybe Jetstar is into collecting peoples information....

 

[TonyHancock]

After the saga I had with the Virgin flyer card, I'm leaving this one well and truly alone...:shock:

I wish I had left it alone. I keep getting calls, emails and SMS's from different people asking for info I have already sent.


Sent from my iPhone using Aust Freq Fly app

 

[inne17]

Just got an SMS, 10 days later, asking or a payslip.......interesting customer service...

I got an SMS as well after 8 days asking for a copy of payslip.

 

[awilcockson]

Maybe Jetstar is into collecting peoples information....

That's a good point, although surely privacy laws would mean they can only use that information for the purposes of approving the application?

 

[ashleyn]

8 days later and request for payslip, seems to be a standard pattern.

 

[DeKa]

8 days later and request for payslip, seems to be a standard pattern.

My SMS payslip request was today, and I applied on Wednesday (so 3 business days / 5 days).

 

[zig]

I received a letter today with a password for online access to my account - the card itself has not arrived as yet.

 

[Fifa]

After 9 days I received an SMS requesting a payslip.
I emailed a copy immediately this morning and this evening got a phone call asking if I got the SMS re: the payslip!!!

 

[scheps]

That's a good point, although surely privacy laws would mean they can only use that information for the purposes of approving the application?

thats what you would expect, but say, if it was sold to some company, i wouldn't even know how to prove it.

 

[penegal]

I have applied. Will be interesting to see how they treat my application...

 

[fall502]

Applied late Feb, sms request for a pay slip couple of days later, faxed slip 27/02, rec'd card 03/03. Least interaction for a card that I have ever applied for. Hopefully no problems with the 30k FFP!