Late in the evening of Tuesday 22 June, I filled out an online application for a Kiwibank credit card.
At the end of the application process I got "instantly approved" (I guess they run the provided income and liabilities data through a simple solvency check) and a message appeared asking me to verify my identity in person at a Kiwibank branch. In an ideal world this wouldn't be necessary, because I hold other accounts with Kiwibank, but I guess supplying credit requires an extra level of security. So I wrote down the application number and the names of the documents they asked for and resolved to take them into a branch as soon as I could find the time.
Wednesday 23 June was release day for the Balance of Payments. No macroeconomist had time for a long lunch, me included, so going to the bank had to wait.
During the afternoon of Wednesday 23 June I received a polite email from Kiwibank thanking me for my credit card application. They didn't include a reminder to take my documents to a branch, which was fine, cos it was well flagged in the online application form.
On Thursday 24 June I took a longish lunch (despite it being release day for GDP) and dropped my documents into the nearest Kiwibank branch. The nice lady at the counter thanked me and said she would send them off straight away.
During the afternoon of Thursday 24 June, someone from Kiwibank called my home number and freaked out my sister. On being told that I wasn't home, the caller initially refused to identify herself, demanded my cellphone number, then when my sister refused to give it to her she admitted to being from a bank, but wouldn't say which one or what the call was about. She left an instruction for me to call an 0800 number which turned out to be the number for the Kiwibank credit card application call centre.
After my sister passed the message on I called the number, spent 10 minutes on hold, then got through to someone who said "oh yes, we just want to remind you to take your documents into a branch..." I wasn't best pleased at spending time on hold to be reminded to do something I'd done several hours before, so I was rather sharp. After ending the call I wondered why on earth they hadn't sent me the reminder by email or even post.
On Friday, 25 June, I received an email from Kiwibank reminding me to take my documents into a branch.
On Sunday, 27 June, I received a letter from Kiwibank dated 25 June, reminding me to take my documents into a branch.
On Wednesday, 30 June, I reluctantly phoned Kiwibank again to find out how the application was going. This time I got through straight away and they told me they'd received my documents on Monday. My card had been dispatched.
When I arrived home this evening, my credit card was in the letterbox.