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Chris Bates
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I had exactly the same problem, but on a smaller scale. I ran my credit union whom I have been with for over 10 years, have multiple accounts, loans, and insurances with. They refused to even look at the possibility of giving me an overdraft or CC, because I hadn’t been self-employed for two years.

It was the straw that broke the camels back, and I uplifted all of my finances to ANZ. You’d think after 10+ years a credit union might have a bit more loyalty and flexibility to its customers, but apparently not.

ANZ were very accommodating, I met with a Small Business Specialist who helped set up all my business and personal accounts. The application for the credit card was supported with my previous tax return (when I was employed), and a cash flow forecast.

Be prepared for fees though. Banks are a lot more expensive then credit unions!