I got this credit card (no dramas) at the beginning of the offer. Points received and annual fee refunded. I mentioned to a family member about it, and she also applied and was approved (still waiting for points) - but probably only a matter of time. On my recommendation (since they are new to frequent flyer points - and have never believed in using credit cards, these were their first credit cards) she got her husband to also apply. He was approved, and activated his card. Life got busy, and weeks passed. So the result - the dates have passed for the minimum spend of $500. He has made no transactions, and now has a $250 annual fee to pay, which CBA told him would not be refunded. He isn't happy. No 40,000 points. Suddenly the previous fear of using credit cards has been justified - suspect they will cancel the cards and never touch ANY credit card again. Frustrating when I tried to help, but have made things worse. She doesn't want to collect frequent flyer points anymore (too hard) - too busy.