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I looked at QF marketplace to buy MC/Visa GCs now that the Coles offers have stopped but they said I could only buy those with points. Can I buy them with CC or do you guys use QF marketplace for other types of purchases?

I have Premier. What am I missing re the Elite? I’ve had a look again. There are plenty of cards with lower AF offering higher category bonuses eg in travel and dining.

Hi. Thanks for the info. What is this?

I’m interested in C1 but keep failing at the ID stage. They specifically want US Government issued ID. They won’t countenance my AU passport even though I tell them in a resident Alien. How’ve you fared with this aspect?

The reduction of interchange (which funds our points) such that banks will have to cut the programs to shreds. Apparently, we won’t have the farce of surcharges so it’s political capital for the politicians … so that’s reform.

I like C1’s products but I can’t seem to get through. They even approved me for a spark business card only to ask for US State issued ID and they wouldn’t accept my AU Passport or evidence of AU payroll - only US payroll. How can we get to ‘yes’ with C1? There will be fewer options in AU with...

won’t that give the game away aside from likely avoid the overpriced forwarding services we subscribe to.

I guess that’s exactly it. You don’t know and there are no signs saying anything. I think I paid 3% the other day at a cafe no signs. Used my US Amex though don’t know if that’s why I was charged 3% or they’re taking the Mickey out of us. I got charged 2% at the cafe across the road from my house.

What happened last time they ‘reformed’ the system and reduced interchange. The card issuers are the ones who stand to make interest revenue from revolvers (and the loan write offs when some of these accounts go bad) not the card schemes who we all look to honour the protections we have as...

I visited last year and was told by a Kiwi mate that eftpos is ‘free’ but credit cards are surcharged at the merchant’s discretion. I went to Queenstown where surcharging on CC was on par with AU - guess that it’s a tourist town so they can get away with it. Possibly not in some places. I...

thought we were "residents" just not citizens. I reside at the address I've given. Just don't have US state issued ID like a DL. They do have US state issued ID kind of like the proof of age card for non-drivers.

Please let us know how you go. They wanted US state issued ID from me & wouldn’t accept my AU passport.

Sadly Amex will poleax MR in AU as they will have to meet MC & Visa on fees to merchants so there will be a much smaller fee pool from which to fund rewards. I think having a card going forward will depend on access to credit for those who need it & convenience in making large payments...

Not to be a downer - make the most of it while you can. What’s coming next with the ‘reforms’ to interchange which funds our points will make reward cards unviable.

Enjoy the system while it lasts. The ‘reforms’ which are coming will put all these methods out of business :(

100% what I think. Whilst the current system has served me well as a customer with the spend to make it work, I think these are all costs that are part of doing business. Some businesses now see these costs as part of their margins (like the cafe where I paid 3% the other day when I can get...

I have found it fine - just don't use VPN anymore as that led to all my accounts being blocked - I was able to enlist the assistance of the guy at the branch who remembered me and was able to get them unblocked. I also didn’t use ApplePay while working towards the SUB spend. I now mix my...

I tried to open it with JPMorgan as I was already a Chase customer. Said it wanted SSN so as ITIN is on file, it correctly assumed I don't have one and stopped the application there.

Ok thanks for the advice. I think I’ll try for it. Hope I’m not putting my CSP at risk since they wanted more stuff at the start which they then seem to have let go with card approval. Tried to open a broking account on Friday. It refused and asked me to call in.

I’m looking for some advice. I have CSP since January 2025. I applied in branch though I noticed Chase did ask me some questions which I only noticed after approval. I’ve been using my card regularly though all charges so far have been in AU. I don’t want to look a gift horse in the mouth. Do I...