Be warned, don’t apply for a credit card through Westpac as they won’t take into account your savings, investments and other owned assets. They ONLY ask for your income and your expenses, and if you have other credit card limits even if you don’t use the cards and have nothing owing and no other debts they don’t care and will decline your application without asking about savings and investments nor take them into account. They also take over 2 weeks to consider your application. Do yourself a favour and apply for a credit card at other banks like NAB or ING Bank who treat you as a person and take into account your whole financial picture. Westpac don’t care and treat you entirely as just another number, pathetic service delivery and appalling customer service. Avoid Westpac at all costs!
If you value slow process feedback, or no feedback at all 2 weeks after submitting your credit card application, and being told it will be “another 3 to 5 days” every time you call to determine progress of your application, then this is the bank for you! If you enjoy being treated like just another number in the millions even when you’ve banked with a bank for 40 years, waiting with uninformed anticipation as to whether your application for a $20k credit card limit is approved after paying off a $550,000 home loan with them in 10 years and they still can’t decide whether you’re reliable enough to handle a $20k limit despite having substantial owned assets and no debt, and a high income then head on down to Westpac and they’ll quickly delight you with their impersonal service delivery. Slow transfers that add an extra 24 hours to crediting funds to your account from another bank can instantly be yours if you join Westpac. A clunky online banking experience forms part of their offering along with inability to transfer to some mobile numbers and email addresses as part of their Osko Fast Payments system even though the PayID works with other banks, which is one of the worst offered by any major bank forms part of your banking service delivery by Westpac. Terse email responses by a rude Customer Service Manager when enquiring about products tailored to provide benefits to over 55’s are provided as part of your banking experience with Westpac. If you enjoy being treated like a nobody and having no response to your valid enquires including application for credit products, and value the experiences outlined above you will be thrilled with the experience Westpac can provide in all of these areas that only a big and faceless bank like Westpac can provide, a bank where they excel in not being accountable for providing any level of good service and what’s more they don’t care as they know there will be another person in the queue tomorrow that they can treat poorly and they will still have their job as they are not accountable to provide good service.
Applied for a credit card and got approved conditionally within 24 hours or so.. submitted every applications they asked for to submit and assured me that they would get back to me within next 48 hours...no response in time they had promised and again had to call to follow up and was told to wait till Monday, still not any update... I was assured by one of the complaints team's member that there will be an update by the next day and when i tried calling again today, still not any sign of progress on my credit card.... so frustrating..we rely on bank so much and they let us down time and again, so miserable service ...and they keep on saying ' 2 days is what it takes to finalise a credit card application request approval or rejection' ....Such a shame.
Terrible and rude customer service. Gave them all the documentation they required for a credit card application which I am more than qualified for in terms of income, no debts great credit score. But their demands were unreasonable including providing a notice of assessment for this years tax return which the ATO has not even requested lodgement for yet. Then after multiple calls and providing other documentation, got some standardised email that my application was rejected. Waste of my time and certainly won’t be banking with them.
I applied for a Westpac credit card to use for funeral expenses. It said the card benefits included instant access once approved WRONG!!! I called a few times and chatted through the mobile app and got cut off so many times it was ridiculous. I have been a loyal customer for over a decade and they could not provide me with a response as to why they say instant access to money. Nor did they give me any other help other than tell me to wait for my physical card. I'm not happy at all the information was misleading to anyone thinking they could access funds
I love the hassle free help line in using my attached travel agent and when crediting flights was easy and hassle free.
I have been with bank for more than 40 years and I value loyalty. I have no reason to change for small differences offered by other cards / banks.
Very poor rewards program where they keep moving the goalposts in terms of points required to redeem for cash or products. Unethical to say the least and to reward new customers with major reward points at the expense of existing customers is extremely disappointing. So much for loyalty.
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