Wasn't cheeky
. I had previously dropped my credit limit to 1/3 of what they originally offered me. When I got the balance transfer offer by phone I asked them to call back in a week. I then rang and asked for a credit limit increase, telling them I had a substantial purchase coming up (which is true). They told me they could only do 50% unless they referred me for a full re-evaluation which I did, and still only got an additional 50%. maybe it has something to do with the NAB and ANZ cards I got in the meantime....
So I paid my account balance in full yesterday, put the cards in a safe place today, and completed the BT process this afternoon. Whilst I like this card a lot I'll use another not quite as good, for the saving of 4.5% on my mortgage offset...
Oh and for the 'substantial purchase' i will apply for the Westpac Altitude with 0% on purchases for 12 months and that will be my primary card for the next year.