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I reckon that they have a very good idea of how many people will: Keep the card because it is too much trouble to cancel before the annual fee is charged, and won't cancel once it is, and Keep the card despite the fee because they have almost enough points, so want to keep earning for a given...

I called the 02 9005 8114 equivalent that they list for overseas callers - I find, so often, that the non-1300 numbers are clearer and often quicker. Yeah, I'd call premier this time.

I spoke to HSBC today - I was told, bizarrely, that I qualified five months ago - even though I got a letter two months ago saying that I would qualify in two months, and I knew that, according to their rules, that I would qualify on the 3rd of Jan this year. They transferred me to the premier...

Thanks. My six-month mark is today, so I'll be going through this process early next week, so good to know the ins and outs. We have a branch next to our usual supermarket, so I'm tempted to walk in and try to do it in person.

Almost identical situation and dates.

Reminds me of CBA NAB Latitude CitiBank I am in the middle of a farcical situation with Commbank / Commsec trying to change closed email addresses for dormant accounts for cash management accounts for chess sponsorships in the name of AS TRUSTEE FOR accounts. Commsec say it is a bank issue...

I was trying to fast-track instant Premier status by dangling that carrot. I'm very happy with most of Macquarie (but don't have a home loan so can't comment). Sorta half-annoyed that they changed the T&Cs on a good CC a while back, but I moved on pretty quickly, and, TBH, their security is...

Bugger. They can take months; we escalated by saying that we had a choice - flying United or Air Canada, and unless they could unlock the account more quickly than six months (which was what the initial quote was), we'd be flying United. They managed to get things sorted more quickly. It...

I must have struck the "No soup for you" local branch (or they've tightened up the rules in the last 12 months or so) as when we asked 5 months ago (with an offer of we can bring our substantial banking from Macquarie to HSBC) were told "No, you have to qualify like everyone else".

And did they?

I can confirm it's six months. I'm a month away from qualifying. I move $10k through each month in on one day and out two days later (because I have the transfer out scheduled, and I wanted to leave a day's grace just in case the transfer in fails), and because I already had a need to move...

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...