I am the victor; all hail the victor
Wednesday, August 15th, 2007I am hereby announcing my victory over the Westpac Banking Corporation and its Earth credit card. When I signed up to get an Earth credit card about six months ago, I simultaneously cancelled my old, National, credit card, so that I could say I don’t have a card on the application. My intention was that they would, logically, give me the same credit limit. (I thought that if I had an existing credit card and a new credit card, it would split my limit across them, which isn’t what I wanted.)
But to my shock, when I was accepted by Earth (read: Westpac) I was given only a $1,000 limit! But I had a $2,500 limit with NAB, and it was increasing periodically as I paid my bills. Even though this wasn’t quite right I was told that I had to wait a whole six months until Westpac would even consider my situation. Bastards.
So, I waited and waited and eventually (after I swapped all my banking over the Westpac just so I could easily top-up my card whenever I needed) applied for an increased credit limit. Bzzt. Failed. I received a call telling me that “unfortunately, my application had been denied.” This was when I became furious. I went off a little bit at the lady on the other end of the line, but at least she understood what I was saying. After receiving my constructive criticism about the application process she advised me that my application would be accelerated up to a higher power.
And then not a word, for almost two weeks. I assumed they were too chicken to tell me what I knew — I wasn’t good enough for a credit limit increase, for some unknown reason. But then it happened — on my internet banking, an increase in my available credit to, you guessed it, $2,500! But not even a letter from Westpac.
Still — all hail he who triumphs over the evil bank. That would be me.