I'm about to test CBA on notices.
I checked to confirm - no notices by email, no notices attached to statements.
Well, sure enough, they've charged me a fee, and I've started off with a chat enquiry rather than a complaint.
The chat enquiry (eventually, when I asked for advice about how and when I would have been told about the changes) advised me that I was notified on the last page of my July statement.
I pointed out that I wasn't, and I've checked my July statement, and my June statement, and, in fact, every statement from June through to January this year.
The person on chat couldn't see my statements (WTF?) but has raised a ticket for someone who can, to look at them, but "as a gesture of goodwill has refunded my fee" and I should be aware that the minimum spend is now $4,000.
The refund hasn't yet shown up, but I'm assuming it will in a few days, as I was told it might take a few days. We'll see. If I don't see it, next step is a formal complaint.
I thanked them, but pointed out that I haven't officially been notified, so would they mind raising another ticket to make sure that I'm officially notified of a change to the terms and conditions and charges applicable to my credit card as they're required to do under Australian Consumer Credit Law, and they're going to do that, too.
I wait with somewhat bated breath.
If I don't get formal advice of a change in T&Cs and Fees, I'll be raising a complaint, though I guess I can wait until my next statement to know that that's happened, or not.
I wonder if they're able to work out if they didn't include the notice on my credit card statement, that they may not have included it on other credit card statements, too?
I genuinely wouldn't have known if I wasn't a lurker here or OzBargain.