Card Promotions Commonwealth Bank (Ultimate Awards Card) 100K award points – potentially fee free

[Mr H]

I have this joy ahead of me if they ever accept my documentation for proof of earnings. I am new to the churning but I assume you would always sequence as

1. Validate card and check you are enrolled in the correct rewards programme
2. Spend the required amount
3. Wait for points to show
4. Spend the points on airline miles (if this is not automatic)
5. Wait for miles to show up in airline program
6. Cancel card (record date for re-application purposes)
7. Reverse any purchases (if appropriate)
8. Have refunds sent to bank account

 

[MichielH]

Received card and activiated card today.

I'm not prepared to start using it until I know I'm enrolled inthe QFF rewards option.

Once logged in click into the Mastercard account. On RH there should be My Benefits tab and click into View Awards.
Here i see the confirmation -You've opted in to Qantas Frequent Flyer Direct

 

[Dr Ralph]

Once logged in click into the Mastercard account. On RH there should be My Benefits tab and click into View Awards.
Here i see the confirmation -You've opted in to Qantas Frequent Flyer Direct

Thanks, that option was not available for me after I activated the card. I called on Monday and had them manually enrol me. That option has only appeared today. So thee seems to be some delay from the activation period untril thing are working as they should.

 

[Mr H]

I applied recently and have now been summoned to the bank to "confirm some details". Does anyone know what this involves?

 

[GSP]

I applied recently and have now been summoned to the bank to "confirm some details". Does anyone know what this involves?

See my earlier posts, i'd prefer to open a drawer, put my fingers (or something else) and slam it shut than go through the "at the bank".

Good luck.

 

[Mr H]

See my earlier posts, i'd prefer to open a drawer, put my fingers (or something else) and slam it shut than go through the "at the bank".

Good luck.

So I went to the bank - it was a nice sunny afternoon and a pleasant drive. They wanted to see my driving licence (which they had already verified), wanted a sample signature (which I had already provided) and asked for my contact details several times (which I gad already provided). They said the personal appearance was necessary to join up two profiles - whatever that means. I can only assume this step was put in place to try to deter churners.

 

[Cessna 180]

I started an application a couple of months ago, about half way through it said i needed to visit the branch to complete application. Subsequently, I tried with a different browser, different email, all to no avail. I rang the phone bank and they said they could not do anything and had to visit a branch for ID.
Now, my nearest branch is 25KM away and as I am driving roughly 5000 KM a week lately I was in no great rush to do any extra KM,s... Anyway, as MR H said above it was a nice day so I washed the dust off the Maloo and headed over one afternoon only to find the Commonwealth shuts at 1300 these days. This seems to be common among country branches as I began to look out for any branches in little towns that I drove through in the truck.
A month or so later I had a morning spare at home so off I went again in the Maloo to the bank with my passport and license. A simple process ensued and my phone banking was also reset.

Upon arriving home I discovered my phone banking indeed was still not working. Another phone call one afternoon without too much delay and I was up and running.

So: finally now I could complete my application. A few days later an email requesting further bank info regarding income (probably due the variance in weekly pay) and then yesterday, voila, approval email.

After all the initial rigmarole, I would say this is the simplest CC appproval I have had for a long time.

 

[nightelves]

Does this card have Lounge Key access as well or it's a paid service?

 

[Mr H]

Got the card. It is an absolute beauty and it is a shame it is a burner. When I activated the card there was no obvious way to link it to Qantas. But after a few minutes, the home screen for the card showed that it had been linked to Qantas, so I must have ticked a box and provided details as part of the application process.

 

[Scr77]

Got the card. It is an absolute beauty and it is a shame it is a burner. When I activated the card there was no obvious way to link it to Qantas. But after a few minutes, the home screen for the card showed that it had been linked to Qantas, so I must have ticked a box and provided details as part of the application process.

Well, when you’re finished with it, give it to me. I’ve applied twice a year apart and have given up at how disorganised the documentation process is.

 

[Mr H]

Well, when you’re finished with it, give it to me. I’ve applied twice a year apart and have given up at how disorganised the documentation process is.

Almost finished - just waiting for the points to post.

 

[theblank]

I have this joy ahead of me if they ever accept my documentation for proof of earnings. I am new to the churning but I assume you would always sequence as

7. Reverse any purchases (if appropriate)
8. Have refunds sent to bank account

Just asking for trouble if one intentionally makes a large purchase to meet the threshold and reverse it later. they will get the money back of course, but it can be a long drawn out drama. If they cant meet the threshold with genuine spending, then this game is surely out of their league.

 

[Mr H]

Just asking for trouble if one intentionally makes a large purchase to meet the threshold and reverse it later. they will get the money back of course, but it can be a long drawn out drama. If they cant meet the threshold with genuine spending, then this game is surely out of their league.

Not sure what the trouble would be. As long as the person (not me, of course) has sufficient cash to cope with it being held for a few days/weeks pending the refund, what's the problem? I'd say it's more of a problem if the churner creates unnecessary spend to meet the targets, and not that many people I know (not me, of course) need to spend several thousand dollars on goods and services every couple of weeks.

 

[Dr Ralph]

Just asking for trouble if one intentionally makes a large purchase to meet the threshold and reverse it later.

Whilst this is not a strategy I have consciously chosen to pursue, I know of quite a number of people who use this strategy successfully - especially with fully refundable plane tickets or accomodation purchases.

 

[theblank]

I am surprised by the lack of information from Commbank about the approval, they dont tell you and leave you hanging.

The sequence of events for me was;
- conditionally approved and asked for the latest payslip, which i uploaded
- asked for more information - latest payslip so I upload again
- asked for more information - said I sent the same payslip again (What the, the info only says 'latest payslip')
- so i guess the want previous payslip, sent that and hear nothing for 10 days
- the online appliction status merely says 'closed' or something like that.
- get an email reminding me to activate the card because its sent long ago.

You would think that with their nicely streamlined online system to process and update the application, that they would send an message at least to say "hey its approved, card will be sent soon". That would make sense

 

[Scr77]

I am surprised by the lack of information from Commbank about the approval, they dont tell you and leave you hanging.

The sequence of events for me was;
- conditionally approved and asked for the latest payslip, which i uploaded
- asked for more information - latest payslip so I upload again
- asked for more information - said I sent the same payslip again (What the, the info only says 'latest payslip')
- so i guess the want previous payslip, sent that and hear nothing for 10 days
- the online appliction status merely says 'closed' or something like that.
- get an email reminding me to activate the card because its sent long ago.

You would think that with their nicely streamlined online system to process and update the application, that they would send an message at least to say "hey its approved, card will be sent soon". That would make sense

similar story here. Have been waiting for a declined letter but maybe I’m in luck!

 

[theblank]

Not sure what the trouble would be. As long as the person (not me, of course) has sufficient cash to cope with it being held for a few days/weeks pending the refund, what's the problem?

If someone dont have a problem with having to repeatedly follow up and take months to get the money back then of course thats fine for them. For some others this headache is not fine.

For example: ANZ rejected PayPal refunds to closed credit card - Cards - Finance - Whirlpool Forums

From the 20th November, ANZ has a new policy of no longer accepting credits/refunds to closed credit card accounts (Visa credit card)

 

[Mr H]

If someone dont have a problem with having to repeatedly follow up and take months to get the money back then of course thats fine for them. For some others this headache is not fine.

People I know (not me, of course) have always found the process of refunding through a closed credit card quite straightforward. PayPal is a law unto itself and anyone who uses it knows they are stepping into the Wild West.

 

[jbman]

Can anyone confirm the latest award program transfer options. I read earlier it was SQ via VA, however with the VA transfers disabled now by VA is SQ a direct transfer option?

 

[Mr H]

Can anyone confirm the latest award program transfer options. I read earlier it was SQ via VA, however with the VA transfers disabled now by VA is SQ a direct transfer option?

You will almost certainly get a better sign up bonus by opting into QF.