No, you are wrong if you are a pensioner in OZ you will not get a credit card unless you have other income, my credit rating is 100% Good I have no debts I never had just living on the pension is no security for the bank.
Lucky, I don't have a credit card because of my age the banks won't give me one I just have a debit card with just a low fee per year, I must add I am not in LOS I am in the west.
I guess you never had a trailer I used to build them where I live every second car tows a trailer or caravan there is hardly any accidents involving trailers or caravans.