[Thomaska]

Hi, I'm new to the forums.

Recently, I tried applying for a Wizard Clear Advantage MasterCard to avoid paying international fees when using the card to purchase online. After researching what seemed such a fantastic (and rare) card, I was mortified to read my mail and find I was declined! Arrgggh!?!?!

To date, I've never made a late payment. Never a defult. My only other form of credit is a single credit card with a $2K limit, nothing owing. I've been living in Melbourne for 5 months, and employed by my current employer about the same.

Does anyone know what could possibly have caused them to decline my application? Perhaps some card issuers target and accept only those with high existing debt?