If you apply for your temporary entry visa onshore, INZ must afford you the opportunity to comment on any potentially prejudicial information that INZ has identified. The letter containing INZ's concerns is called a PPI letter. At this stage, INZ will decline your visa application unless you can successfully mitigate their concerns through a cover letter and new evidence (if applicable). You can present your claims for the entitlement of a visa well before a PPI letter is issued to you. That way, you can fully utilise at least two opportunities to convey your claims rather than one opportunity at the PPI stage. On rare occasions, you may be issued another PPI letter after responding to the first PPI letter, which technically means you will have had three opportunities to make your justifications known to INZ, including the time you write at the visa lodgement stage.