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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...

Probably because the driver claimed that it was broken to force the passenger to use their PIN so that they could defraud the card. I've had that happen to me - claim that the terminal is broken when I go to tap and pay with my phone - you'll need to pay with a card. My reply is "sorry, I...

Yeah, that's what Mrs BJReplay was asked for. Their boilerplate requests don't leave a lot of room for people who don't fit the normal pattern of income. But I think you get a phone number to call, and you will find that (once you've provided ID) that you can talk to someone, explain your...

That was me, immediately post retiring before the age that I could access superannuation. Living off savings before drawing down on investments during the COVID crash (which was the plan) didn't do anything good for proving my ability to prove that I could afford a credit card. Human assessed...

That may be true or it may not. Yes, every retiree has different circumstances, but Mrs BJReplay with no separate income (just funds coming into a joint bank account - that could be mine, could be hers), no superannuation income, got a BW Platinum card by applying. My main point is that it...

As others have said, BankWest Platinum as a credit card is also no fee, no transaction fee, Mastercard rate. Debit: Macquarie Transaction Account earns 4.75% on deposits, and the debit Mastercard has no fees, no transaction fees, and Mastercard rate. Ditto Ubank Visa as a Debit (but no...

I just discovered that the Android app (and, I am guessing the iPhone app also has this) has an account closure request (and it also confirms that I didn't have to provide my credit limit - it's the same form). It worked instantly this time. From Account settings, you should be able to get...

I just received an email asking for more information WTF??? WTAF? I wasn't paying a lot of attention, but I don't think I had to provide the credit limit when putting in the close request using the online form. When I log in now, it shows Close account request In progress I've fired back a...

I just went into the app just now to see if there was any progress on my cancellation request - there was not, but I noticed that there was an offer for 90 days free Amazon Prime, so I signed up. Free is free.

I should. Though I suspect that HSBC Premier and Bank West Platinum will form the no fees high points no stress combo going forwards.

Well, I am blaming BA for that 🤣, but point well taken. Absolutely - yet that's the position that I found myself in for Iceland... In general my approach is to book directly unless Booking dot com is significantly cheaper, for example. So most were booked directly. Many hotels in Iceland...

And, if you value those reward points at ≈$0.01 per point, 5,000 reward points are worth $50. That's why so many people held a no points, no Interntional fee credit card, because it made economic sense. When CBA introduced CBA Ultimate with a $2,500 per month spend to avoid the monthly fee...