St.George credit cards

Strongly recommend you avoid St George bank like the plague. I don't think there could be much worse service. I applied for a credit card in order to gain airline points. Nearly two weeks later I was told it was declined - no further information. After two hours on the phone to incompetent staff, and after being mysteriously hung up on twice, I learned apparently I had insufficient capacity to make payments. I living in my own house, which I have more than 50% equity in; my credit score is 872 or "Excellent"; my total basic expenses are only 62% of my full time employment income; and my minimum house payment (included in expenses) is only 16% of my income. In other words, St George have rocks in their heads.

St Georges Bank is very reputable bank.

Been with this bank since young but their handling of accounts has always been professional. If you have problems with English, there is always staff there to handle the language barrier to ensure you get the best possible experience out of accessing your services. Can also tailor an account according to your plans too.

I work for public hospital. Currently have salary packaging and novated lease. Have a 2nd highest credit rating. Earn a 6 figure salary, with approx 65% outgoings. Credit card application took over 2 weeks to return as declined (which during this time, St George kept asking for documentation which was already submitted in the initial submission). Took continuous phone calls to finally find out that St George does not assess salary packing + the tax free component of novated lease as income (by the way, also found out that St George did not look at half of the key documents which I had submitted). That is approx $20k of income that St George refuses to consider as income. This is even when it is clear the income is indicated in my bank statement as being received on a regular basis. Credit rating hit, plus a waste of time. Imagine if you are applying for a home loan? $20k less per year would equate to considerable amount of borrowing power. My advice is, if you work in a public sector, where you have taken on salary packaging (this is not salary sacrifice, which St George keeps thinking what this is), I would avoid. Unless you do not mind risking borrowing way less than what other banks may offer you (for a home loan) or getting declined for credit cards. My opinion is, St George assessment or verification team needs education and training.

St. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.