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What you don't understand is that these margins are interdependent. The reduction in interchange rates will decrease the attractiveness of credit cards as a product category. More consumers will simply choose debit. That means banks will earn less interest on balances and earn fewer fees...

You severely underestimate the importance of interchange to the points ecosystem. A reduction in interchange reduces the margins on credit cards as a product category for banks, so there is less incentive to offer sign-up bonuses to acquire new customers in the first place. Just look at the...

While they can lean more heavily into tying SCs to spend to keep people engaged with the program, as they're currently testing out, they're not quite equivalents: 1. SCs fail to incentivise spend after the thresholds are reached (eg where you've achieved a particular level for the year and have...

They can still be used on Virgin Australia domestically, but yes buying miles primarily with the intention of using them on partner flights is a risky maneuver that should only be done in full awareness that it could backfire. That's especially the case in the current environment where more and...

Can take up to 10 business days in my experience.

I wouldn't suggest doing this unless you have elite status with UA or are a Chase UA card holder as expanded award availability is restricted to them.

If you mean the end game for Qantas points, I think we're reaching a stable equilibrium for now. 1.25c/pt for premium cabins & 1c/pt for economy with Classic Plus. A capping of value of Classic Awards through (a) low availability (b) high surcharges and (c) higher points prices, meaning even...

Disable the 'Show all dynamic results' button in the advanced filter option in the search page.

Which is not the Australian Consumer Law. The Australian Consumer Law is sch 2 to the Competition and Consumer Act 2010. Any consumer lawyer would know the rules are not the same. They have some similar protections, but the Australian Consumer Law contains far more detailed and precise...

Putting to one side this very long post that shows you do not understand consumer protection law (eg "the Australian Consumer Law" does not apply to financial products), it misses the elephant in the room. Even if NAB decide to honour the representation of 'No Annual Fee for Life', they are...

Issuers of products are allowed to cancel products and the benefits attached to those products. They do that all the time. There is no breach of Australian Consumer Law in doing so. There is also no breach of the ACL in offering customers an equivalent, but not identical, product in its stead...

Lots of travel industry people — or people who know travel industry people — have access to this data (eg people with access to staff travel entitlements).

I think when you combine this promo with the literal gift of 80SC to SG & 150SC to all WP for free (with absolutely no spend requirement) last month, which wouldn't affect any VFF defectors, it is clear they're not meeting their own member retention targets.

It still makes sense. The old approach (easier elite qualification) doesn't give VA much control over its number of elites — a whole bunch of people work out how to game the system and suddenly you find yourself with way more elites than you expected. The new approach (harder qualification...

This probably tells you all you need to know on how Qantas is currently faring with elite member retention.

That's not a system error in Qantas' view.

Well the broken wifi, lack of IFE and uncomfortable seats have also been discussed in this thread.

Isn't the bladder issue precisely a question of whether the aircraft measures up against what other carriers are offering?

With a QF flight number? No With a BA flight number? Yes

In general, you can't book flights on other carriers as standalone cash flights (ie BA LHR-GLA). Can only be booked in connection with a Qantas flight (eg SYD-SIN-LHR-GLA).