A bit of a rant, but...... I hate the cough Hats at Westpac. We signed up for this promo, and our first month bill was over $5000, and after we called about the points and how long would it take to post. After a lengthy hold, they said it could take up to 3 months. We waited a month, called again, just to be a pain, and were told again, it takes up to 3 months and be patient.
After 3 months we called, and were told immediately we didn't meet the minimum spend, as the total of the first month included the annual fee. I fully admit, it was our bad, we weren't paying attention to the total spend, BUT the other 2 or 3 people we spoke to couldn't have hinted that we hadn't met the spend when they were looking at the account, but instead just said to wait for the 3 months.
Typical underhanded cough from WP. We have about 2 mil in various home and investment loans, and keep them with CBA. Not because we get good points from them for their "diamond" credit card or anything else, but our lender always looks out for us and makes sure she reverses any little fee ever applied to an account, credit card, etc. before we even notice it. Stupidly, I didn't customise our portable contents cover on our CBA home insurance, and when I took my iPhone swimming, and CommInsure denied he claim for it not being listed, she deposited $1000 in our account to cover the phone. Don't even ask! The last card I had with them, that had a credit upon cancelling, they wanted to charge ME to transfer the money to me!
Point is, I wouldn't give WP one cent, ever again.