Bankwest Qantas World MC 90k bonus, $6k spend in 3 months, $135 first year annual fee, exp 31 August 2019

[Kangol]

A few years is my interpretation of “in the future definitely” but as I said, not holding my breath. Initial conversation was on the phone and he went away to discuss with other departments. Emailed me back an hour later with the following:


Hi NoName,

Thankyou for your time today over the phone.

I have contacted couple of departments to see why there was a hold and it can be removed.

Unfortunately our teams have mentioned at this stage we wont be able to open anything for you as the hold is not too old,

But in the future definitely we can help you with your banking needs.

Kindly let me know if you have any other questions.

Thanking You

That would suggest a temporary block of unknown duration.

 

[Dr Ralph]

Things like DOB, drivers licence number, Medicare number, are probably what else they keep on file. Not to mention the most important: QFF no. Hard to get around that. Where did you read the advice? Did said person successfully apply after a ban?

Other than DOB, all of what you list can be provided AFTER your application is approved.

 

[cvmceg]

Other than DOB, all of what you list can be provided AFTER your application is approved.

Interesting.

I suspect Ill get declined for both Citi and BW.

 

[lakeman]

What are BW like to deal with when applying for credit cards?
Do they have any access to CBA platforms.
I am self employed so I would be interested in knowing how many hoops they send you through

 

[Dudditz]

I've kept this card for years due to it being useful OS and them continually waiving the annual fee. Is there an exclusion period? If not I might cancel and reapply soon.

 

[GSP]

What are BW like to deal with when applying for credit cards?
Do they have any access to CBA platforms.
I am self employed so I would be interested in knowing how many hoops they send you through

I got a Bankwest Platinum Master Card early '17 (for the International Transaction Fees waive with no annual fee) and and they sent me through many hoops for a card with $6k limit. There never seemed to be a problem of getting the card, but some tenacious CSO kept at me for more and more detail dragging the process going for near 3 weeks. I've recently closed that card so hope I'm good for this one - my reading is I'm good as I haven't had a Bankwest Qantas card before.

 

[burmans]

Things like DOB, drivers licence number, Medicare number, are probably what else they keep on file. Not to mention the most important: QFF no. Hard to get around that. Where did you read the advice? Did said person successfully apply after a ban?

Personally I believe they are in breach of APP 13 if they keep this information about me when I am no longer a customer. The reason they told me they needed this information was to identify me, as required by law. As no longer a customer I believe they no longer need this information about me!

Australian Privacy Principle 11 — security of personal information

11.1 If an APP entity holds personal information, the entity must take such steps as are reasonable in the circumstances to protect the information:

1. from misuse, interference and loss; and
2. from unauthorised access, modification or disclosure.

11.2 If:

1. an APP entity holds personal information about an individual; and
2. the entity no longer needs the information for any purpose for which the information may be used or disclosed by the entity under this Schedule; and
3. the information is not contained in a Commonwealth record; and
4. the entity is not required by or under an Australian law, or a court/tribunal order, to retain the information;

the entity must take such steps as are reasonable in the circumstances to destroy the information or to ensure that the information is de-identified.

 

[GSP]

Personally I believe they are in breach of APP 13 if they keep this information about me when I am no longer a customer. The reason they told me they needed this information was to identify me, as required by law. As no longer a customer I believe they no longer need this information about me!

Australian Privacy Principle 11 — security of personal information

11.1 If an APP entity holds personal information, the entity must take such steps as are reasonable in the circumstances to protect the information:

1. from misuse, interference and loss; and
2. from unauthorised access, modification or disclosure.

11.2 If:

1. an APP entity holds personal information about an individual; and
2. the entity no longer needs the information for any purpose for which the information may be used or disclosed by the entity under this Schedule; and
3. the information is not contained in a Commonwealth record; and
4. the entity is not required by or under an Australian law, or a court/tribunal order, to retain the information;

the entity must take such steps as are reasonable in the circumstances to destroy the information or to ensure that the information is de-identified.

One could argue that if they have in the terms and conditions that you cannot be a previous holder of this card (or in many instances last 12 or 18 months), they would need this information to ensure that they can enforce this rule. We all know if they dropped any record of this we'd all be churning cards over and over.

I'm not across for the requirement made in 11.2 point 4 put it wouldn't surprise me if there wasn't some law requiring retention of data for these types of organisations.

 

[kpc]

What are BW like to deal with when applying for credit cards?
Do they have any access to CBA platforms.
I am self employed so I would be interested in knowing how many hoops they send you through

When I applied for the BW Qantas Platinum card a few years ago (before the recent credit card reforms), they asked me to provide pay slips, copies of ALL my other credit card statements and a few other things so it wasn't so straight forward. They only gave me a very modest 8K limit but back in the days when it was allowed, they kept giving me limit increases and now my limit is more than 3x the initial one They then eventually Invited me to upgrade to the World card. This is my "go to card" for foreign currency purchases as it is fee free and I also get some modest Qf points as well.

 

[oz_mark]

Personally I believe they are in breach of APP 13 if they keep this information about me when I am no longer a customer. The reason they told me they needed this information was to identify me, as required by law. As no longer a customer I believe they no longer need this information about me!

Australian Privacy Principle 11 — security of personal information

11.1 If an APP entity holds personal information, the entity must take such steps as are reasonable in the circumstances to protect the information:

1. from misuse, interference and loss; and
2. from unauthorised access, modification or disclosure.

11.2 If:

1. an APP entity holds personal information about an individual; and
2. the entity no longer needs the information for any purpose for which the information may be used or disclosed by the entity under this Schedule; and
3. the information is not contained in a Commonwealth record; and
4. the entity is not required by or under an Australian law, or a court/tribunal order, to retain the information;

the entity must take such steps as are reasonable in the circumstances to destroy the information or to ensure that the information is de-identified.

I suspect that the statutory record keeping requirements means that they will keep the records for 7 years or so (the 4th option in the list)

 

[burmans]

One could argue that if they have in the terms and conditions that you cannot be a previous holder of this card (or in many instances last 12 or 18 months), they would need this information to ensure that they can enforce this rule. We all know if they dropped any record of this we'd all be churning cards over and over.

I'm not across for the requirement made in 11.2 point 4 put it wouldn't surprise me if there wasn't some law requiring retention of data for these types of organisations.

The fact they have T&Cs doesn't mean they have a legal right to keep information. In essence the Privacy Law allows you to keep necessary information to provide a service, we are talking about information that is definitely not used in proving that service, in fact you could argue it's to prevent people who they used to provide a service to ver use that service again.

In my case I do know a lot about this particular law, I managed multiple projects retaliating to Privacy Law and sat through many days of the Retail Credit Aasociations meeting with all the banks lawyers putting together their input into the consultation process. As far as keeping information, yes they have to keep your financial records for 7 years after you close the account but I've sat through far too many of these sessions with lawyers to think adverse information about why they may not want you as a future falls into the legitimate set of information to keep, I suspect lawyers would be hard pressed to justify this. Of course most banks don't really care as they think most Joe Blows don't understand their rights so will never question them holding such info and if they do they will just delete it. I say this as an 'insider' , having been involved in that process I have heard statements similar to this many times! This particular law requires you to keep some specific information, it doesn't provide a license to keep any information not specifically required. Banks may try, in fact some no doubt definitely will to keep such info but I strongly believe a complaint under the provisions of the Privacy Act would be successful (the banks lawyers really did not like this part of the Privacy Act!!!)

 

[Kangol]

The fact they have T&Cs doesn't mean they have a legal right to keep information. In essence the Privacy Law allows you to keep necessary information to provide a service, we are talking about information that is definitely not used in proving that service, in fact you could argue it's to prevent people who they used to provide a service to ver use that service again.

In my case I do know a lot about this particular law, I managed multiple projects retaliating to Privacy Law and sat through many days of the Retail Credit Aasociations meeting with all the banks lawyers putting together their input into the consultation process. As far as keeping information, yes they have to keep your financial records for 7 years after you close the account but I've sat through far too many of these sessions with lawyers to think adverse information about why they may not want you as a future falls into the legitimate set of information to keep, I suspect lawyers would be hard pressed to justify this. Of course most banks don't really care as they think most Joe Blows don't understand their rights so will never question them holding such info and if they do they will just delete it. I say this as an 'insider' , having been involved in that process I have heard statements similar to this many times! This particular law requires you to keep some specific information, it doesn't provide a license to keep any information not specifically required. Banks may try, in fact some no doubt definitely will to keep such info but I strongly believe a complaint under the provisions of the Privacy Act would be successful (the banks lawyers really did not like this part of the Privacy Act!!!)

How would one go about submitting a complaint?

 

[burmans]

Here you go

Privacy complaints

The Privacy Act has strict rules about how an organisation or agency handles your personal information. If you think they've mishandled it, you can lodge a complaint with us.

www.oaic.gov.au

As noted you do need to complain to the bank first, (use the words complain or complaint to make this clear), and if not satisfied within 30 days contact the Privacy Commissioner. Threatening the Privacy Commissioner may get a better result.

 

[NoName]

So who is going to be the guinea pig?

 

[coles525]

Just rang BW.

Without being obvious, I asked if I could maby apply for a cc.

Long story short, based on my previously held cc's "re-payment history", I wouldn't be accepted as an individual account holder.

But my partner (still has the qf cc) could change to a different qf cc (as I'm secondary holder).

Unsure how long this "re-payment history" ban will be continued for

Will maby ring again in another 5 years.

 

[me-h]

Just applied. Very convenient timing for me, as haven't had a bankwest card for a while now and am heading OS for a few weeks in July so can use the card for costs during the trip to hit the min spend and enjoy the no foreign transaction fees feature.

 

[mokuni]

Applied Tuesday and got approved Friday. Had to get secondary card holder to Id. Weirdly enough I provided wife's drivers licence and Medicare card but they still wanted her to go in a branch or if at post office. We were planning to go on Saturday. However they called on Friday and my wife spoke to them while giving them the same details I've already provided. Got approved after phone ended. Weird.

 

[potm]

Very interesting to hear that they still hold a grudge over the multi-payments.
Considering how long it took them to identify the issue last time, I didn't think their systems would be capable of remembering.
I had a credit card and another transaction account with BW before the Qantas transaction account and have retained those and are still using them to this day without any issue. It seems contradictory to let us keep existing accounts but still not let any new accounts be opened 3 years later.

 

[burmans]

Very interesting to hear that they still hold a grudge over the multi-payments.
Considering how long it took them to identify the issue last time, I didn't think their systems would be capable of remembering.
I had a credit card and another transaction account with BW before the Qantas transaction account and have retained those and are still using them to this day without any issue. It seems contradictory to let us keep existing accounts but still not let any new accounts be opened 3 years later.

Both of those who are quoted above are people who have been "told" they would be rejected rather than people who actually have been rejected - I'd prefer to use the latter as my baseline and given no one has reported actual rejection I'm inclined to believe it may not be the case.

 

[Crazy Diamond]

I also just rang BW to enquire about my chances for this card, and specifically whether anything was noted against my profile as I'd had the Qantas transaction account closed on me for micro payments 2 years ago. The customer service rep was very helpful in explaining that yes a hold is on my account due to "previous account operation" (and confirmed nothing to do with my credit history) and I wont be approved for anything until it is lifted.

He suggested checking again at around the 3 year mark. He added that a few people had similarly rung to check recently - no doubt a few forum members - but prior to that he'd never seen it before