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Because they are getting better at tracking and matching applicants longitudinally from their own data rather than relying on credit agencies to provide a direct match. They are also improving their ability to measure customer lifetime value, whilst their machine learning models are getting...

There's a lot more cost involved for the lender in establishing a card than simply buying points. They will be losing good money on serial churners.

We deal with it in a different way. I haven't heard of anyone else that does what we do, but it works for us. Our written policy is very strict. BFOD AU/NZ and up to 6 hours. PE to Asia, J to EU/Americas. Cheapest reasonable flight. Strict limits on hotels, meals and transport. Staff (or...

He probably needed to have guested his Dad in. My kids sometimes had issues accessing lounges whilst flying solo as juniors, since the lounge is a licensed venue and their licensing laws don't allow for unaccompanied minors in the licensed area.

My two had KF Elite Gold and VA Gold by ages 6 and 4 respectively.

...and mirrors?!?

A missed unprotected connection will not be covered under cancellation (unless your LCC flight is cancelled).

I like Garmisch-Partenkirchen. Not quite a village, with ~25,000 between the two towns, but plenty to see and do in and around. Probably right on the 2 hour radius if using public transport

Just realised I didn't directly your earlier question, @Pushka . There is a specific Form that you need to provide your super fund so that they know that specific contribution is a Downsizer Contribution.

If you (inadvertently) didn’t do a downsized contribution first time round, then you obviously can do it again. But it’s likely to be a decent wait to meet the criteria a second time around. 10+ years held, CGT exempt (ie PPOR)

You can downsize as many times as you like. But you only get one downsizer contribution.

WCMO re super - I do my payroll and process super payments monthly on the 1st of the month, every month, for the month. A couple of months ago, the 1st fell on a Saturday. As luck would have it, the super portal was partially down for maintenance over that weekend. But I was able to do my...

What you're suggesting amounts to bespoke underwriting of the credit application. Which is a lot more expensive for the lender. And means a much higher threshold before they are going to make a dollar out of you as a customer. The banks are not a charity and it's an entirely reasonable...

The issuer doesn't get to know whether the card is paid off in full each and every month. They don't collect full histories. They only get to know credit applications, defaults, limits and total outstanding balances. If they are carrying a limit and/or balance, then the associated expense or...

I admire your optimism.

You do understand that a credit card allows you to accrue a perpetual unsecured debt up to the limit of your cards, right? What other debts of yours do you not consider to be 'liabilities'?

?? How do you expect NAB to view them?

Wow. There's a lot of bias and not much fact in the most recent posts. The proposed changes relate to enabling super funds to offer annuity style products to those in pension phase. A lot of people in retirement want a steady, known income stream, most likely stepping up with inflation...

But then you’d have to, at least once, admit in public that you were a member of the Carlton Football Club. The shame is not worth $800…

Celtic names are tricky. Little Miss Gremlin has a Celtic name and we've always used the Welsh pronunciation. She has spent quite a bit of time in Ireland where her name is also very common but their pronunciation is quite profoundly different. It took her a while to learn to answer to her...