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No bank does exchange rate conversion on credit cards. VISA and MC do the conversions. The only difference is the fee australian banks add on, ranging from 0% to 3.4%, and is a seperate line charge on your statement. It has always been that way, except before about year 2000, the fee was...

these 2 factors make it interesting for the upcoming conversion of Citibank Credit cards to NAB, personally i have the Cit Signature equivalent and Free for Life (FFL), as do a lot of others. and its about bloody time NAB came to the party with a no international fee credit card.... again!

"rental car agreement" If the insurer has any definitions to read in that section, look them up. The insurer cant mention every car rental company. I would expect that it comes down to whether you are renting a car or not. How the rental provider sources the car should be irrelevant.

flying on Virgin today (7 march) from OOL>SYD on VA528, and i was on the receiving end of the nicest gesture from an airline - ever. Hey, its only a small one but still, she won a heart today. On boarding the senior hostie was serving her business class customers with a glass of wine, and she...

I find it hard to beleive that Paying a large Annual fee gives you a greater net benefit, but I am sure you did the due diligence. I have 2 general rule of thumb: (1) spend 10K to earn $100 points value. Therefore a $400 annual fee means $40k spend to just break even.b and most cards have...

thats got nothing to do with Citibank or not. most such ATMS are free for all.

Its being confirmed elsewhere that the annual fee charged on the FFL credit cards was a mistake. so dont worry about it. Whats more disappointing now is NAB just announced devalued their points earn. https://www.nab.com.au/personal/credit-cards/terms-conditions/credit-card-updates Key Points -...

its a fair question, but for any insurance claim, you are required to show evidence of ownership and value. Therefore a Receipt. In my experience with claims, insurers accept receipts without question. As for clothes receipts, i bought a lot of the clothes i have online, so I did have...

Insurers state in their policies or claims information that they wont accept photos of bag contents as proof of the loss. They say the only thing they accept for proof of ownership is a receipt. some people have said insurers have accepted a Stat Dec of the inventory. having made a few travel...

You just restated everything the article says.

This is quite normal for many banks, both here and overseas. Of course there are exceptions, and anyone who has bank accounts in other countries face these situations often. I know some banks overseas wont even talk to you about sending in certified documents, they only permit personal visit...

This is very true also. I recall a time NAB wanted to attract young university graduates to get credit cards, as they perceived these would be high value customers in the future. In the marketing briefing they said that those that fit this profile would be assessed more favourably by the auto...

its not dumb. Credit cards is a mass scale business. They work in %'s and big data If they really wanted only quality applicants, they would get a senior manager to personally interview each one. but that would mean higher acquisition costs and so few clients (due to the time that takes).

theres other facts you didnt mention, every piece of data you recorded on the application is a fact that they consider. My experience is that AMEX give away credit cards like theres no tomorrow, so the financial data alone, like income and loan repayments is not the only thing they consider...

yeah, the actual letter they got looks like a global product change of the Annual fee. Hence some people got a letter that said Old fee $0 new Fee $149 There was no explanation on the letter about removal of Free for life, even I woudnt have thought NAB would be that harsh. Hence it looks...

If the product says there are no overseas transaction fees, then there isnt any. Its that simple. I have used Citi, NAB, MQ, ING, Wise and something else. There was nothing special or different about any of them. (of course ING is now a dud) there is no customer service needed for a simple...

You should read the relevent sections of the PDS. If you dont understand it you can should ask the insurer, or quote the section of the PDS that you dont understand here for an unqualified opinion.

The Citibank Credit card account will be closed. NAB will open a new Credit account for you, and do a balance transfer. Therefore no obligation by NAB to continue the Free for Life deal. but... its Citibank that has written to customers advising the new Annual fee whilst its still a Citibank...

Oh good. I see the same in my app. I no longer have a physical card, as at some point there was a fee to replace it so i didnt bother. I guess they changed their mind.

I think physical cards no longer free, so got to request them.