Latest information about 28 degrees card

[RooFlyer]

Not always. I received a replacement card last year after a previous card expired, can’t remember which bank/provider it was as I have several credit/debit cards, but I was horrified when it said in the letter that “there’s nothing you need to do, the card is already activated” as if they were doing me a favour!

I had that with NAB CC. I called them up to remind them what a terrible practice this was, and they seem genuinely surprised that I would complain about it.

O/T, sorry, but I just received a new CommBank ATM card (old one expired) and its pre-activated, ready to go! Just stupid.

 

[MEL_Traveller]

O/T, sorry, but I just received a new CommBank ATM card (old one expired) and its pre-activated, ready to go! Just stupid.

Yeah. I now put a temporary hold (lock/freeze, different names with different banks) on any new card coming out until I get it in my hand. Too risky otherwise.

 

[SYD]

According to this article there is no salary requirement Latitude 28 Degrees Global Platinum Mastercard - Point Hacks

They have one of those automated checks now for new applications and limit increases - so I’m trying to work out the magic numbers. An “income” of around $35k is sticking in my memory? But whether that needs to be 3 or 6 mths history…

I tried to do a limit increase last year but because I was only paying myself a directors fee direct to super the salary check wasn’t going to work and the rest of the request went pear shaped quickly - despite having more “income” than one would expect to need.

I was thinking of paying myself the equivalent of the min salary amount for say 3 mths to see if that satisfies the bot.

 

[Cynicor]

They have one of those automated checks now for new applications and limit increases - so I’m trying to work out the magic numbers. An “income” of around $35k is sticking in my memory? But whether that needs to be 3 or 6 mths history…

I tried to do a limit increase last year but because I was only paying myself a directors fee direct to super the salary check wasn’t going to work and the rest of the request went pear shaped quickly - despite having more “income” than one would expect to need.

I was thinking of paying myself the equivalent of the min salary amount for say 3 mths to see if that satisfies the bot.

If it’s your company then why not just lie and then fake up a payslip?

 

[SYD]

If it’s your company then why not just lie and then fake up a payslip?

I’d rather keep it reasonably legit. I presume the automatic check accesses the ATO employment and pay history. There’s continuous employment being posted monthly. I would just need the requisite $ amount and history.

 

[Cynicor]

I’d rather keep it reasonably legit. I presume the automatic check accesses the ATO employment and pay history. There’s continuous employment being posted monthly. I would just need the requisite $ amount and history.

No cc checks ato records or pay history etc. It’s probably not even legal, if it’s even physically possible (I suspect it’s not technologically possible, either).

Why do you think they hire buffoons in the third world to try to read your return and NOA and then ask for more useless info?

If I know I have the income to support my application I just write whatever will make my life easier in the boxes and give them the paper they want to see

 

[serfty]

I’d rather keep it reasonably legit. I presume the automatic check accesses the ATO employment and pay history. There’s continuous employment being posted monthly. I would just need the requisite $ amount and history.

You should have your "Notice of Assessment" from the ATO - at least for the 21-22 year. (Don't need to submit 22-23 until May.)

Is that not sufficient?

 

[SYD]

You should have your "Notice of Assessment" from the ATO - at least for the 21-22 year. (Don't need to submit 22-23 until May.)

Is that not sufficient?

Nope! I did that and they still wanted more. The humans are incapable of making a decision but the bot will approve immediately if you “tick” the right boxes…

When they started asking for copies of rental agreements (for investment properties) I knew it was time to chuck in the towel…

 

[JohnK]

Went to pay 28 Degrees card last night and again encounter that Bank transfer is not available and to use another method. If I'm not mistaken this is the only free method. All my details are stored online.

This occurs often. Does this occur for others? Anyone know why? Do they really want to charge an extra 90c for the transfer? Or just poor IT systems?

 

[mel-world]

Never happened to me, since I set it up a few months ago. Does take a day or two to get withdrawn from my bank but who's complaining. No sign of the $8 monthly fee yet either.

 

[MEL_Traveller]

Went to pay 28 Degrees card last night and again encounter that Bank transfer is not available and to use another method. If I'm not mistaken this is the only free method. All my details are stored online.

This occurs often. Does this occur for others? Anyone know why? Do they really want to charge an extra 90c for the transfer? Or just poor IT systems?

Yes! Happened to me a couple of times. It usually sorts itself after a day or two.

While inconvenient, it is ok for me as I usually pay pretty soon after I receive the statement, so I have three weeks or so up my sleeve as a buffer (yes, I know.., that money could be earning interest, but for me it’s peace of mind)

 

[Pushka]

I received mine a few weeks ago after the $8 was announced. Didn't worry me that much as I just wanted a good travel card and my usuals were awful rates. It is all set up and registered but not used yet and won't be until next April. Not received the $8 fee yet.

 

[JohnK]

While inconvenient, it is ok for me as I usually pay pretty soon after I receive the statement, so I have three weeks or so up my sleeve as a buffer (yes, I know.., that money could be earning interest, but for me it’s peace of mind)

Need to keep remembering to go back into service centre to pay.

I've already had the $8 fee in September.

 

[auriga]

Went to pay 28 Degrees card last night and again encounter that Bank transfer is not available and to use another method. If I'm not mistaken this is the only free method. All my details are stored online.

This occurs often. Does this occur for others? Anyone know why? Do they really want to charge an extra 90c for the transfer? Or just poor IT systems?

i have experienced this once before. Was OK the next day.

 

[lakeman]

Went to pay 28 Degrees card last night and again encounter that Bank transfer is not available and to use another method. If I'm not mistaken this is the only free method. All my details are stored online.

This occurs often. Does this occur for others? Anyone know why? Do they really want to charge an extra 90c for the transfer? Or just poor IT systems?

Happens to me repeatedly !
Cut it fine this month but eventually got through on the 3rd attempt.
I got the fee waiver for 12 mths so will be keeping this as a backup.
My wife got the cba card with nil currency conversion fees so will be using this as my everyday aus and os card

 

[SYD]

If I'm not mistaken this is the only free method.

DD is free. No brainer if you pay off in full each month anyway.