[straitman]

Originally Posted by Thomaska

There has never been any credit relationships with GE and myself. Nor Harvey Normans. In fact, I've never had a hire purchase (although have enough of a credit record to obtain credit).

I requested my credit file from Baycorp. It listed my mobile phone account, Virgin Credit Card and unsuccessful attempt at a Wizard card. 100% clean.
1 address listed on file, the same as I applied with.

I've lived on and off in my current address for 5 years, however recently it's been closer to 5 months. I listed 5 years on the application. My previous employer was less than 3 years, but I would guess this is fairly common? For those of you with a Wizard Clear Advantage Mastercard, how long have you lived in your current address? Been with your employer?

The income entered was correct and was entered directly from my payslip (above $50K). My expenses are minimal - no rent to pay nor dependents. Nothing owing on my Virgin credit card (limit $2K) and only pay $70 per month for my mobile. No mortgage.

I'm living with family.

Thanks.

The one thing that jumps out at me is that you may not have a sufficient credit record. i.e. when they did the credit checks and went looking for information about you they found that from a credit reference point of view you almost don't exist.