True
True but could argue that NAB knew before they purchased Citibank retail products that their was customers With FFFL cards so when you acquired the CBR you respect the agreements that are beneficial to the customer as well as the bank. My 2cents worth.
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I haven't received any...
I disagree. They make enough from the merchant as well as from those that don't pay off their CC each month. If they attempt to start changing an annual fee. I'm closing the account.
For the time being, I'll keep the replacement NAB card, for emergency's, And bring cash with me when going OS, and no fee;s. besides I like dealing with money changers keeps them in a job, helps keep cash and our freedom alive for alittle bit longer