Quick question for the community of shoppers. When the guidelines say, "During the interaction, the shopper must <...> indicate that you're looking to get out of debt and not use additional credit, but just pay off what you have" - do you understand that this needs to be stated upfront?
Here's how the shop went: I met with a teller, who asked me which credit card I wanted, and then directed me to the manager. The manager mentioned spontaneously the balance transfer fee, so I did not have to state it. The report was rejected because I did not ask for it specifically and then I was told by the project manager it was necessary to state it upfront... Did I understand the guidelines wrong in your opinion?