Bankwest Transaction account [General Discussion]

[burmans]

Also is there a way to lock a thread so only people with say 100 posts or more can view?
It could be irritating starting to find more loopholes that get slowly plugged up because telstra/bank staff can read our posts...

Really, I think thats way to late to shut the gate. They know about this, they just haven't done anything yet.

 

[markis10]

Also is there a way to lock a thread so only people with say 100 posts or more can view?
It could be irritating starting to find more loopholes that get slowly plugged up because telstra/bank staff can read our posts...

AFF has a policy of not restricting information as such, if you dont want something public then the simple solution is to not publish it on the net. Some members often may pass info via PMs as an exchange (soliciting money for info is trading and against our terms of service regardless of how its done - PM or post) and obviously at the social gatherings there is often a lot of unpublished tips passed around.

 

[QF WP]

Also is there a way to lock a thread so only people with say 100 posts or more can view?
It could be irritating starting to find more loopholes that get slowly plugged up because telstra/bank staff can read our posts...

I think this is a good idea. No reason that view access to this forum couldn't be restricted to just contributing (or even paid) members. Giving away the tips and tricks used is only begging for the holes to be plugged.

Really, I think thats way to late to shut the gate. They know about this, they just haven't done anything yet.

The horse bolted the moment that everyone started pushing large number of transactions through their card(s) to maximise their QFF point return under the promotion. That would have alerted BW in some way (exception reporting) and they probably set about flagging and then monitoring those cardholders thereafter. The discussions here about how how it is being done (which companies that allow low balance repayments) is really a moot point - they have that evidence in your statements.

They are probably working out how best to limit the damage without breaching their own T&C's for the card, as well as for this promotion. So their legal team are probably involved and working hard to come up with a solution.

Make hay and all that...because just like with Qantas and mASA's (or any other similar promotion), the end is nigh...

 

[burmans]

They are probably working out how best to limit the damage without breaching their own T&C's for the card, as well as for this promotion. So their legal team are probably involved and working hard to come up with a solution.

Make hay and all that...because just like with Qantas and mASA's (or any other similar promotion), the end is nigh...

Well I am pretty sure they have the right to change the T&Cs with appropriate notice and I think that's exactly what they will do.

This was in reality poor design which lead this situation, giving 5 points whether for 1c or $10,000 was always open to people recognising the value was at the bottom end and then taking it to extremes. I'm sure they'll redesign so that is no longer the case (at least at the extreme).

 

[NoName]

What are the costs involved in changing the T&C? I'd imagine they'd have to alter and reissue a PDS to every customer. Could be a fairly expensive excersize. Or am I wrong on this requirement? What sort of money is this really costing them? There couldn't be many people as sad as us out there surely? lol

 

[QF WP]

The T&C that needs review is the promotion one. The products PDS's need not change and even if they did, simple to change and place on their website, with notices via email with links to website.

 

[serfty]

The word promotion implies a short term thing, generally having specific start and end dates.

In relation to this product, the 10K earn for 3 months x $2K is a promotion while the 5pts per transaction is part of the product and is disclosed in relation to the PDS.

Bankwest Qantas Rewards Program
for the Bankwest Qantas Transaction Account | T&C's

No change is required to them given the clause:

5. What restrictions apply to your Qantas Points?

The following are not Eligible Transactions and you will not accrue
Qantas Points or Bonus Qantas Points in respect of them:

• ...
• transactions we decide ... involve an abuse of your Account;
• ...
• any other transactions which from time to time may be excluded by us
• ...

Also:

Investment & Transaction Accounts - Terms and Conditions

23. Closing the account

23.1 We may close the account for any reason at any time.
We will notify you in writing should we do so. You may
contact us at any time to close the account. ...

 

[burmans]

This is indeed a possibility, however in my opinion while the "abuse" condition could be used its difficult to see how they can make the case that this is abuse when small value transactions are not excluded under the T&C's. Not suggesting that I am offering legal advice but am pretty sure their lawyers would be telling them changing the T&C's is the cleaner way to do this.

Also agree that the "transactions which ... may be excluded" gives them a potential out but think the ACCC and other bodies would take exception if they do this without some sort of disclosure, otherwise their T&C's and promo material could be categorized as misleading and deceptive.

 

[Rick93]

The horse bolted the moment that everyone started pushing large number of transactions through their card(s) to maximise their QFF point return under the promotion. That would have alerted BW in some way (exception reporting) and they probably set about flagging and then monitoring those cardholders thereafter. The discussions here about how how it is being done (which companies that allow low balance repayments) is really a moot point - they have that evidence in your statements.

They are probably working out how best to limit the damage without breaching their own T&C's for the card, as well as for this promotion. So their legal team are probably involved and working hard to come up with a solution.

Make hay and all that...because just like with Qantas and mASA's (or any other similar promotion), the end is nigh...

"Blessed are the Cheeze-Makers" ...

 

[Rick93]

What are the costs involved in changing the T&C? I'd imagine they'd have to alter and reissue a PDS to every customer. Could be a fairly expensive excersize. Or am I wrong on this requirement? What sort of money is this really costing them? There couldn't be many people as sad as us out there surely? lol

I'm getting 'sadder' by the day .... only 50 transactions per card, per day ( "oh the pain, the terrible pain ..." )

 

[markis10]

I'm getting 'sadder' by the day .... only 50 transactions per card, per day ( "oh the pain, the terrible pain ..." )

Enjoy it while you can, I hear the rangers are out with a big net to catch the bull in the china shop.

 

[polardabar]

Still no 10,000 points and even no points for the cash in the account. Extremely lame.

 

[neon_crossing]

Still no 10,000 points and even no points for the cash in the account. Extremely lame.

Have you had the account for over a full month with two monthly statements?

If you make lots of transactions they give you an 'e-statement' every week without adding points. That only happens once a month.

 

[TomVexille]

Still no 10,000 points and even no points for the cash in the account. Extremely lame.

I had to argue for mine, but they did relent pretty quickly.

 

[Jonova]

10,000 were posted to my account after 4 monthly statements. They do take a while to post

 

[neon_crossing]

Actually only my monthy points have posted, not my 10,000 yet

 

[neon_crossing]

Getting tired of having to manually do telstra, has anyone worked out a workaround yet? Why does imacro glitch when you have to hit the "continue" then "confirm" button. I cant figure it out.

 

[neon_crossing]

Ok I have worked out how to get a macro working, but without using the refresh method, which seems dead.
Basically under the settings in iMacro you can tell it what type of recording you want, usually its ticked something like "automatic".
This works just great for the filling out of the forms, but it sucks for the clicking of the actual confirm buttons etc.
Basically all you need to do is record your macro as you world normally would, fill out the form and clicking "continue/confirm/yes,proceed" etc.
Save this macro.
Then switch recording mode to "experimental" this is woeful for recording text but great for recording those mouse clicks on the confirm buttons.
Record a macro using this method of exactly what you just did.
Then save a third macro and edit the text so that the traditional method first half and experimental method for the second half after the email fillout.
Hey presto, boom it works again! Hit a loop on fifty and look mum, no hands!

*Note this is paying AFTER you have logged into your account, not the "pay my bill" from homepage.

should look something like this:

SET !REPLAYSPEED FASTTAG POS=1 TYPE=INPUT:NUMBER FORM=ID:accountPaymentDetails ATTR=ID:amount CONTENT=0.01
TAG POS=1 TYPE=INPUT:TEXT FORM=ID:emailAddressForm ATTR=ID:email CONTENT=[email protected]
SET !REPLAYSPEED SLOW
EVENT TYPE=MOUSEDOWN SELECTOR="#saved-payment-button" BUTTON=0
EVENT TYPE=MOUSEUP POINT="(1013,771)"
EVENT TYPE=CLICK SELECTOR="#confirm-button" BUTTON=0
EVENT TYPE=CLICK SELECTOR="#yes-proceed-payment-button-cc" BUTTON=0
WAIT SECONDS=2
EVENT TYPE=CLICK SELECTOR="#service-detail-container>DIV>DIV>DIV:nth-of-type(2)>A" BUTTON=0
WAIT SECONDS=2

I added in the speed changes for the two halves to speed it up a little, I find the experimental version works better on slow.

 

[polardabar]

Have you had the account for over a full month with two monthly statements?

If you make lots of transactions they give you an 'e-statement' every week without adding points. That only happens once a month.

I've had the account since May. It might be the weekly statements, but I'll definitely give them another call about the 10k when I'm back from overseas.

I had to argue for mine, but they did relent pretty quickly.

Good to know.

Cheers.

 

[TomVexille]

I've had the account since May. It might be the weekly statements, but I'll definitely give them another call about the 10k when I'm back from overseas.



Good to know.

Cheers.

They tried to tell me that I wasn't eligible. And then that I didn't complete the requirements. After I showed them that they had made an error the points were credited rather quickly.

All of this was done via the online chat feature