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Did you pay off a large % initially and hold back a very small amount the the entire length of the loan? My statement is due on 5th Nov, and from the 2k loan Citi issued im aiming to pay back approx 1.8k immediately. Then do i pay off the remaining $200 once i have the VFF points or pay back...

Damn I guess your right, I dont even remember giving them that info!

The card arrived yesterday, activated it via the app. I assume they now transfer the $2k into that account, and i then transfer out into my bank account, wait a few days then transfer back say $1800 to Citi.

Following on from my approval on 1st Oct - i still have not received the Welcome pack & card.

One thing i don't get with recent Point Hacks articles about CC sign up bonuses, in the title it notes how much the bonus points equate to gift cards. The most recent one i saw is as follows; 150,000 extra ANZ Reward Points (can get $650 in gift card) + $150 back with the ANZ Rewards Black...

The general consensus I would say on this forum is that points for gift cards is terrible value, and generally points should only be used to redeem business class fares or upgrades (and typically international flights too rather than domestic redemptions)

Hmm tempting, i have had a few churns lately (Westpac Platinum, AMEX Explorer, Suncorp Platinum, Citibank Personal Loan) the last 6- 8 months. Though interested to wait for the Black ANZ for the 90k VFF.

Finally heard back, applied on 13th Sept, was approved 1hour ago (5th Oct).

Virgin Domestic longue is sad. The breakfast options and coffee I find are terrible. I always order coffee outside the lounge even though it's like $6. However I do love to take as many TWG teabags from the KRIS lounge. I actually have a game where I try to beat how many bags i took the...

Im still waiting to hear from them, over a week since the last update.

I applied on 13th September. Had a few missed calls from them on Sat 17th, had to call back and confirm that my mailing address was the same as my residential address. Spoke to them on Mon 19th to confirm this, still waiting to hear if application is approved.

I applied for the Suncorp one during the 130k bonus period, which ended Aug 31st. I applied mid August and it took nearly 3wks for them to approve it, after many phone calls they had my wrong birthday and needed so much financial documentation that i was hesitant to provide out of principal...

Im looking to close my AMEX account very soon so i can start the 18mnth wait for a new churn. It appears Singapore have hosted in 2020 & 2021 a bonus point transfer for various banks, with the promotion held in Oct & Dec. Obviously no one has a crystal ball, but does anyone think or have any...

So you could in theory just transfer back 1500 of the 2000 for the personal loan straight away?

So you would repay the loan less $1 until the points arrive? And they charge interest until you repay the full balance? Does not repaying the full amount count as a negative score?

/bump. Anyone able to confirm the above? Also does this mean to be eligible for he bonus points, you need to use the full credit line (2k or 5k, pending if its been reduced) and then repay it for the bonus points? Ive never had a personal loan, only CC burn so not sure how these function.

Currently sitting in the BNE lounge, its quite disgusting here. I would say its approx 70% full and it appears there is no cleaner as there are old plates/food/cups piled everywhere and on a lot of tables, so people cannot sit there

I'm quite interested in this but will need some help understanding. Firstly it seems the loan amount has been reduced from 5k to 2k as per the link provided previously, would anyone agree with this?

Just about to board SQ327 from Munich and they indicating masks are still required.

First thing i do, run a speedtest on the hotel Wi-FI.