Westpac on line has been off line for 3 days. As I walked past a branch today and saw staff there standing around doing nothing so I asked if they were finished being enhanced. They are open till 5pm to help all the inconvenienced customers.
They absolutely assured me that they could get me the 50K QF and fee free year 1, with them applying for me on the spot as they "had the codes". Went ahead and have conditional approval for minimum 6K limit.
I will deposit $100 into an 'every day' account, which they opened. (My unused - opened for this purpose - Reward Saver would not qualify me).
As I have done 6 + applications this year I had the standard figures in mind: '1K a month household outgoings; 25K existing cards with 8K outstanding etc.