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Hmmm... Would it be better to avoid the stress/argument at the end and instead contact Westpac early on and say "The approval was more than 365 days after closure of the previous card. Please ensure this is honoured."?

Much to my surprise, Westpac just let me have a Black card... I can't see info about the waiting time for bonus Velocity points to be awarded after the qualifying spend, but from a few comments in this forum, am I right in thinking that for Westpac: points from spend within a statement period...

I'm not sure if this should be split off into a separate post, but for those considering this card, the complimentary travel insurance is being stuffed from 9 Dec. Key changes are the loss of the following sections unless a paid "upgrade" is added. Special event Upgrade only Rental...

There's monolingual English speakers, and then the rest of the world... (give or take a bit). I would jump for joy if I saw any Australian FA of English-first-language-only background speaking another language competently. It shouldn't be like this, but there's no sign it'll ever change...

I guess you didn't enjoy it! The 1% comment seems harsh. I would say a very broad range of Taiwanese speak at least a few words of useful English, and some significantly more. Conversational, not as often, but still... Even in the night (food) markets, many stallholders have had, in my...

I think I've tried to gather information on this point twice before over the years on AFF with no response. Either people aren't using (trying to use) this insurance feature or are always making their separately ticketed connections.🥳 It's nice to have this report about the Citi cards...

Great to know! Thanks. :)

So that touch of the file is usually assumed to be an application risk... I suspect @woodyren must look good (for credit) enough that the very recent touch isn't treated by the lenders as a red flag.

That's very interesting. I assume that means that the "touch" of the credit file by the lender during an application doesn't show up in the file for some time. I was wondering about this just the other day!

Well, no, but it's connected to the red kangaroo...:cool:

I can confirm that a test on a new card from the west with a kangaroo worked for Canberra: points shown on statement issued a few days ago.

Absolutely. The only part you left out is how long the phone queues are!

This is the problem: if you actually talk about cancelling, they aren't legally allowed to incentivise at all under the changes in law. Not a word. What surprised me was that this was the approach taken even when I was careful to talk in terms of "assessing my priorities", "wanting to understand...

As my Platinum Edge is almost useless to me now, post-devaluation, I called up today to discuss the fact that my annual anniversary is approaching... Nothing. They were happy to downgrade me to another points-earning card with no/lower fee. They wouldn't negotiate on anything else. "Australian...

The bank's use of the term "credit score" could easily just be a shorthand way of saying "data contained within your credit file [does not match our lending criteria]".

My goodness BW is, um, rigorous with applications... 8 days after application I've had a 20-min call, going through the details of financials with an unfamiliar thoroughness! (My household expenses are lower than typical.) And I still don't know if it'll be approved!

I've been to Taiwan twice, with another trip in planning. English skills are generally weak (but occasionally excellent), but people are fairly friendly/helpful. Accommodation: The windowless room thing is horrible, but at the same time a welcome way to avoid the considerable street noise in...

Woops! Edited my original to fix it.

I flew up and back last week on JL774/773. Contrary to the original booking seatmap (showing angled-flat seat config) which was part of a discussion back in September, I was very pleased to find that the config was in fact E11 - SkySuite (even though it meant my seat allocations were changed...

"Vulnerable"?! The route is fine. The connection is easy. If you don't want to wait at the bus stop you can stay in the waiting area at the entrance to Broadmeadows Station which is manned. Broadmeadows isn't a wonderful area, but I've seen nothing threatening in the times I've used this...