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This is where having a TA that you've used in the past who is willing and able to book fares for you can be useful (if you're keen on putting those fares on a points earning card for points or included TI). I've found flights that I want that were possible to book (but would have been tricky...

Having been knocked back while employed on $stupid money$ by which-bank, I'm now getting approved by the same bank while unemployed. Banks are capricious beasts, so if you have a good credit rating, occasionally asking for a new credit card when juicy sign-on bonuses come along can't hurt.

I'm guessing that you're talking about a) a joint account, and b) debit cards against that joint account? If so, then either party can continue to operate. A joint account doesn't get closed if one of the account holders is deceased - provided it is set up as either to sign / operate. But...

Good advice. Ideally a zero-fee card. It doesn't have to earn points or have a large credit balance - just something that allows them to be able to pay for things if and when necessary. Exactly. I know a few people who this has happened to. One unfortunate suicide - imagine dealing with the...

Absolutely. CBA used to have a form to allow you to set up a direct debit payment out of a non-CBA account on their website. Now, it's not listed, not mentioned in help, and basically, they dont' tell you it's possible. I know it is because I do it. When I went into a branch (to submit a...

At the time I was in a similar situation, I confirmed that I would be approved for a $150,000 car on my Amex platinum card, but not a $175,000 car. And yeah, similar offers of $60k cards with other organisations. Yet now, as an unemployed bum, they'll give me 4x the credit limit on 1/4 the income.

It was more frustrating than unpleasant. What was most noticeable was that I found myself checking myself when talking to the front-line staff, because I was getting frustrated - but it wasn't with them, it was with the assessment team, but they were also frustrated with the assessment team...

It's just a normal tax assessment where (because my income is investment income that isn't fully franked) some tax is payable. It's due November 21, and I'll pay it when due. It's a notional debt that falls due on 21st November and will be extinguished the moment it is due 🤣. The downside of...

I got knocked back for the Ultimate with 400k at one point 🤣 because 20% of it was supposedly discretionary bonus even though I'd been getting each and every year for the last 5 years. They eventually gave it to me with a $10k limit. So, they eventually gave me a credit limit of 2.5% of my...

Interestingly enough, I just received this card. I am an existing CBA Ultimate card holder, a Yello customer, and thought I'd roll the dice on bonus points (I don't currently get the Yello bonus on my Ultimate card, so I might qualify), and I also happen to know I've got a couple of months of...

Anyone who is selling to allow my darling wife to pay for a new phone for me. Or as someone else already pointed out, I'll get the credit card that I've already said I have, but don't carry on my person every moment of the day. Look, you do you (as, obviously you do), and I'll do me, (as...

And with biometrics at some airports, even if you need to carry your passport, you may not need to get it out of your wallet or bag all that often. The experience returning to Melbourne is now pretty good - first gate checks your passport, second gate opens on biometrics only. Knowing that it...

The risk of the plastic card is that the numbers are breached, and then you have to cancel the card. Or you lose the card from your wallet, and you have to cancel the card. I lost a card from my wallet in Changi airport on my last trip, and was desperately trying to block the card on dodgy...

I carry plastic cards, just in case, but usually not actually on me (as in they're usually locked in my hotel room, for example), so when I say "I don't have a physical card on me" it's true - though my wife is usually carrying. When travelling, usually one of us has one, just in case, but when...

Yeah, that just so much 🐂💩 - you can't control how long they stay pending, only when you make the transaction - so count them in the month you make them. Sure, if they get reversed later on, by all means retrospectively charge a fee: if I make a $4000 purchase and then it is reversed five days...

Well, I'm back nearly a year later, and having escalated this to a complaint, which eventually got resolved, with the fee refunded, and an investigation, I got this email this evening (almost a year late): So, I'm not sure whether my complaint and request for an investigation an explanation...

This is when zero international transaction fee debit cards are great as backup. You don't use them, unless you have to. Also travel cards that you can carry, but don't load and use, unless you have to. For example, CBA travel cards cost nothing to acquire and load with AUD. If you suddenly...

My elderly father has run into this exact issue. Balance: $0. Available Balance: Credit limit minus last payment. Ability to close account: denied. It isn't just balance must be $0, but they must have cleared it back to available. As you say, allow a few days.

I once had a Kyoto taxi driver turn off his meter because he got lost (as you probably know, Japanese addresses can be "Interesting"), and didn't want it running while he tried to find my destination. He refused my cash tip. I would trust them with my life.

I pay for almost everything on my phone, so opportunities for my card to be defrauded are very rare (since it's a different number). The last two times it has happened have been when I've managed to completely flatten my phone while having to hotspot off it while travelling for business, so pay...