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Re: Credit report,
Credit applications stay on your account for 5 years but in most cases will say "application for continuing line of credit for an unspecified amount" - nothing in your report states whether you still have the account open (or even if you ever accepted or were accepted for it). Generally it isn't uncommon for people to have a reasonable amount of activity in this area of your report so don't be too worried - especially since you already have a mortgage.
Given that there really aren't that many CC's in Oz I wouldn't be too worried about it - obviously try to limit CC aps to 1 or 2 per year max though.
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