Bankwest Transaction account [General Discussion]

[burmans]

Not yet.

I'm debating whether to ask them or not.

This month I might try a staggered approach (a bunch of 2c trans, then 3c trans) then based on points accrued work out the minimum.

Mind you - it should be easily spelt out in the terms and conditions not left for us to work out.

That makes me laugh, do you really think they are going to tell you how to game the system. What it may be allowable under current T&C's its clearly not the way Bankwest want this to be used and the idea that Bankwest might help you out on this is frankly just a little ego-centric.

 

[Cephalopod]

That makes me laugh, do you really think they are going to tell you how to game the system. What it may be allowable under current T&C's its clearly not the way Bankwest want this to be used and the idea that Bankwest might help you out on this is frankly just a little ego-centric.

I work for a large financial institution - with all due respect, they don't actually have a choice.

They advertise a promotion with no minimum set per transaction but with a few caveats, caveats aren't catch all - they can't use "any other transaction we decide on" if there are clearly defined limits. The ombudsman will take them to town over it.

To the person who said it's not worth the time - firefox has a macro addon. You can record a series of actions and then play them back. You can loop this play back as well.

 

[LordGarlic]

which addon is that?

 

[burmans]

I work for a large financial institution - with all due respect, they don't actually have a choice.

They advertise a promotion with no minimum set per transaction but with a few caveats, caveats aren't catch all - they can't use "any other transaction we decide on" if there are clearly defined limits. The ombudsman will take them to town over it.

To the person who said it's not worth the time - firefox has a macro addon. You can record a series of actions and then play them back. You can loop this play back as well.

You clearly did not read my post, I didn't say they had a choice, I said they weren't going to help you out in giving you the hints on how to maximise this. Yes, they have to honour the promo, what they don't have to do as per your original is "spell out" how to leverage the promo.

 

[polardabar]

I just got my card yesterday, loaded funds onto it and am now sipping a cup of coffee paid by it.

 

[casanovawa]

I went to the shops last night and did my usual shopping, but grabbed 4 grapes and against my better judgement subjected myself to going to the self serve checkouts... As usual the machines f'd it up as I find they do almost without fail and had me wanting to punch them... but anyway in the end i popped my one grape on and selected what i thought was the correct type of grape from the menu and it came ot 9 cents! i then popped another one on and chose some other variety and this came to 1 cent but when i pressed finish and pay it just put out like a receipt almost like it rounded it down to nothing before i could even zap the card! So then i put the last two on and it came to 16 cents i think!

So all up it seemed a bit of a pointless exercise for whoever suggested how much does a grape cost!!!

What I might find this card useful for is at work where they don't accept credit cards in the lunch area but you can pay for eftpos, although there is a $5 min, but still all the lunches etc that I have been paying cash for i can now split up maybe and 10-15 QFP a day if I don't pack my stuff...

 

[TomVexille]

I went to the shops last night and did my usual shopping, but grabbed 4 grapes and against my better judgement subjected myself to going to the self serve checkouts... As usual the machines f'd it up as I find they do almost without fail and had me wanting to punch them... but anyway in the end i popped my one grape on and selected what i thought was the correct type of grape from the menu and it came ot 9 cents! i then popped another one on and chose some other variety and this came to 1 cent but when i pressed finish and pay it just put out like a receipt almost like it rounded it down to nothing before i could even zap the card! So then i put the last two on and it came to 16 cents i think!

So all up it seemed a bit of a pointless exercise for whoever suggested how much does a grape cost!!!

What I might find this card useful for is at work where they don't accept credit cards in the lunch area but you can pay for eftpos, although there is a $5 min, but still all the lunches etc that I have been paying cash for i can now split up maybe and 10-15 QFP a day if I don't pack my stuff...

Where I'm finding it useful is where they don't take AMEX and my spend is under $10. It's a better return than the 0.5 points/$ I get on my VISA.

 

[Cephalopod]

which addon is that?

iMacros.

I've got two accounts, I'm going to just slowly increment how much I put through on each till I find the magic number, obtain the points balance I want and then financial ombudsman a complaint to get the rest of them.

ETA: Actually, on both of my accounts I've had 3 statements, one a few days after opening, one about a week ago and then one had a statement on the 30th and one on the 29th. Not really sure why. Perhaps this is why my statements show 0 accrued points. I'll need to wait and see if anything gets transferred over to Qantas.

 

[burmans]

Getting back off the ways to try and game the system for a second, it's a new month and based on previous months we should be expecting our points to post within a few days (5th last month). I'm hoping/expecting this is the month our 10K bonus will hit for those who have been in from the start.

 

[N860CR]

For those with spare time... Coles and Woolworths self checkout machines will quite happily let you rack up your usual $100 grocery bill and then make 200 "split payments" of $0.50. You can even use PayPass.

 

[burmans]

For those with spare time... Coles and Woolworths self checkout machines will quite happily let you rack up your usual $100 grocery bill and then make 200 "split payments" of $0.50. You can even use PayPass.

Peronally I think this is putting a low value on your own time. If you value 5 points at 5c (and I for one am hard pushed to value at more than that) and it takes 10 secs per transaction this values as $18/hour.

 

[anat0l]

For those with spare time... Coles and Woolworths self checkout machines will quite happily let you rack up your usual $100 grocery bill and then make 200 "split payments" of $0.50. You can even use PayPass.

I couldn't bear to see the length of receipt that would be printed after such a venture!


I think there is a general get-out for Bankwest that allows them to basically withhold points if they view the pattern of usage is tantamount to fraud. Of course, that's a very general view and one that could be very well legally contested.

 

[burmans]

Of course, that's a very general view and one that could be very well legally contested.

Yes, indeed it could get interesting! The wording actually mentions frause or "abuse"

transactions we decide are disputed due to being fraudulent or which involve an​

abuse of your Account or any Card;

The other thing is that any bank has the right to cancel an account at any time for any reason

You will not accrue Qantas Points or Bonus Qantas Points in respect of an Eligible Transaction (and we may correct your Rewards Statement by deleting or reversing any Qantas Pointsinvalidly awarded) if:
• your Card has been reported lost or stolen and a lost or stolenstatus has been placed on your Account;
• we cancel your Card or terminate your Account for any reason;​

Some would suggest this is legally contestable, the question is whether anyone would want to. Other have mentioned FOS, while I think from my dealing with such schemes FOS can be very helpful in general cases they are not necessarily as interested in cases like this. But that's not advice and dont let it stop anyone trying.

Personally of course would rather people didnt abuse the scheme, as if/when this does get nasty it would be genuine users who most likely suffer by adverse changes to T&C's.​

 

[TomVexille]

Peronally I think this is putting a low value on your own time. If you value 5 points at 5c (and I for one am hard pushed to value at more than that) and it takes 10 secs per transaction this values as $18/hour.

Yup. And I just don't value QFF points that highly.

 

[Cephalopod]

Minimum seems to be 1c

That was from 23rd to the 30th but I forgot to do it on one day. Worth it for clicking one button everyday. I am unsure how the 3% surcharge on credit card payments will work out on the Telstra side but I'm using a RTW Business Class fare as my point value so with 3% it's worth it. I didn't get charged the surcharge last month so we'll see this month.

 

[anat0l]

I had some time tonight whilst shopping at Woolworths, so I thought I would give it a go and take the mickey a bit. So I gave the BW debit card a bit of a work over, in quarter dollar instalments.

It does get monotonous after a while, but what is more disturbing is the scene it risks making. I lucked out and got the self-serve machine closest to the exit, which is closest to both the checkout assistant and the store security. They didn't look at me too funny nor did I get pulled aside, but it was rather "dangerous" as I kept cycling through doing split bill then tapping the card. It didn't help that the robot voice kept on loudly proclaiming what I was doing many times.....you'd think a record player was broken saying "Follow the pinpad prompts to finalise your payment". I stopped short of making up a silly amount of transactions and paid a suitably large balance with my Amex, then got the hell out.

The resulting receipt was something else. I have attached a photo of it hanging down, taped to the top of a door frame for reference. Probably lucky I stopped otherwise they might think their thermal printer was having issues.

For those of you thinking I deserve to have my points confiscated, that's fair enough....

 

[anat0l]

Here is the docket picture. Haven't seen something that excessively long since the Microsoft Windows ME bug list...

 

[Intra]

Here is the docket picture. Haven't seen something that excessively long since the Microsoft Windows ME bug list...

Gold; Both the receipt length and the reference to WinME
Do let us know if you get the points for such said venture.

Can we say though this "loophole" in the service is being used by people merely to top up points towards a so-close-yet-so-far-goal. Surely no one is planning to rake in upgrades/classic awards in full using the card.

 

[anat0l]

Can we say though this "loophole" in the service is being used by people merely to top up points towards a so-close-yet-so-far-goal. Surely no one is planning to rake in upgrades/classic awards in full using the card.

Surely those who are set in trying to exploit this card for points in such a extended fashion would have already conceived both known and more eloquent ways of obtaining said transactions and points in a manner which would not even require a venture outside their place of residence. The real soup fly is when the bank will catch on and what they will / would do about it.

 

[Intra]

Surely those who are set in trying to exploit this card for points in such a extended fashion would have already conceived both known and more eloquent ways of obtaining said transactions and points in a manner which would not even require a venture outside their place of residence. The real soup fly is when the bank will catch on and what they will / would do about it.

Fair point, but just curious to see what people are thinking.... I mean, really! I know we all love collecting FF points here for one program or another, but at some point either we or the airlines draw a line.
Heh, but even then, we still find ways to deal with it and make it better Am I right?