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I recently got $35,000 as a credit limit as a pre-super retiree from CBA with four other existing cards with combined limits of $40,000. Total limits were 83% of my post tax income for the previous financial year 🤣. Admittedly no car loan at the time and own my own home, but when I was working...

Well, for anyone playing along at home, still... I never got the notice. I did test them. They did charge me. I did complain. They did refund me. I did formally complain and ask for a formal explanation and whether or not I had been notified, how, when and in what form. They did...

I should add an anecode to yours: after we were approved, I figured that we probably wouldn't keep these cards after the first free year was up and started looking at qualifying for HSBC Premier. We applied for a joint account, provided all the info, got the request to verify our identity, and...

I successfully applied for this card just over 14 months ago, and just closed it a week ago, a few days before the one year anniversary. I am in a similar situation. I think that my report on the application experience was moved to the pensioners credit card thread, but quick summary (all...

That's really interesting - I just checked the T&Cs, as I am about to cancel - and the T&Cs clearly say that the Star Alliance Rewards program depends on you holding the HSBC card. We reserve the right, in our discretion, to suspend for such period as we consider appropriate and/or to...

Barely. 10,000 FlyBuys points is worth exactly $50 in discounts off your Coles shopping. I did this once (at a similar charge), when the points were enough to convert to Velocity (at a discount) and then to KrisFlyer (at another discount) but got me enough to book two return business class...

Credit file was correct. CBA was working off old data. And credit file depends on credit providers updating. Three credit bureaus still list my closed 28 degrees card, although I closed it in August, and two reporting cycles have completed since I closed it. I do (all of them) every month...

We're retired, pre-super (under 60), living off savings / investment income, as is Mrs BJReplay. No Mortgage. Investment income is sporadic (mostly ETFs, semi-annually, with larger payments hitting the accounts in September and March). Mrs Replay has been accepted to BankWest Platinum ($0...

No, not regularly, but by NAB and CBA ($400k+ salary, no debts, mortgage paid off, significant super and non-super investments) both denied me a few years back, while employed. CBA eventually gave me a card with a limit of 2% of my salary. I just applied and they gave me a card with a limit of...

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...