Recent content by Peregrine

That's no doubt all true, but my main point still stands - these changes by ANZ remove cover for a range of objectively defined medical conditions, and conditions that may be arise from them The test of whether a person gets coverage is now at the discretion of the insurer in determining...

A lot of these "you must call us" changes suggest that coverage under to the policy is at the discretion of the insurer. In particular, the removal of coverage for a range of medical conditions and the exclusion of coverage for "a condition of which a reasonable person in the circumstances...

I reckon these changes seem to be mostly reasonable as far as they go, but they do make a significant material change to medical coverage. The changes remove cover for a range of pre-existing medical conditions, including asthma, allergies, diabetes, high blood pressure, high cholesterol...

Interesting - for Amex no enquiries on credit record trumps lower income every time. Those with higher incomes but some recent enquiries are rejected. Amex have long being known to want to build long term relationships (v churners with high incomes), Re no documents - Amex notes on their...

Amex has clearly cracked down on churners, and maybe tightened income requirements perhaps in context of people seeking to ease financial pressure through a credit card. My reading around the internet is that I reckon you need to show $2k-$3k clear income a month over commitments, and have...

A timely post as I was just about to push the button on an Explorer application and made me reflect on my $100k line of credit. I'll come back to AMEX later in the year. While AMEX may have toughened up, credit assessments are based on income actually hitting your account - irrespective of...

Taking the point about the value of points - value of points is in upgrades. As suggested, rewards type cards can also have additional benefits that may be valuable - eg travel insurance that does not rise in price with age than if bought as a stand alone policy. The requirement for credit...

I would expand point 2 cc providers seem to like seeing income from arms length income providers such as government pensions, superannuation pensions, and perhaps superannuation income streams (allocated pensions etc). As Burmans says (above) they like to see money regularly hitting your...

I was wondering whether it was me or the Qantas website. Over a couple of days of building an mult-trip intinerary to London, via Singapore and back from Dublin via Dubai, the Qantas site would take me through the whole booking process, even past seat selection and each time the site would...

ANZ Black is starting to look pretty uncompetitive - along with the Veloce program which is of dubious use, insurance thresholds that haven't been updated in years, etc. Westpac AMEX bundle looks attractive.

My CBA and ANZ policies have unlimited medical cover (ie not capped) AMEX policies are capped at $2m

In the past I have purchased stand alone travel travel insurance, but after my last trip, I compared the cover under my stand alone policy inferior to my cc travel insurance. Choice reached a similar conclusion...

But credit card travel insurance could provide equivilant cover, in my case $100, for that premium, wouldn't it? When I checked a year or two ago, some travel insurance policies provide less cover than credit card insurance. For eg with ANZ cc I get $5,000 rental vehicle excess coverage, along...

I looked around a while ago for annual domestic multitrip travel insurance and went with Australia Post, which I think is underwritten by Zurich. They also have international policies. These policies had a reasonable report in a recent Choice Survey along with Medibank and Amex (not credit card...

Perhaps supporting that experience, I couldn't find clear defintions of of many of the terms in the AMEX policy.