Everyday Rewards Qantas Credit Card

[yohy?!]

I was not aware of WW entering into agreements and then intentionally breaching those agreements.

If you are aware of this practice then I suggest you notify ASIC and the ACCC for all of our benefits.

If you are referring to them had nosing suppliers and screwing customers there is nothing in terms of breach of contract there.

As you've pointed out with those examples, there's as much ambiguity in the business practices as there is in these t and cs.

Considering most of the dollars I spend directly or indirectly contribute to my work it's a ridiculous notion really.

Now if they were to say no purchasing of goods for resale for example that might actually hold up to breach of contract accusations.

 

[oz_mark]

I was not aware of WW entering into agreements and then intentionally breaching those agreements.

If you are aware of this practice then I suggest you notify ASIC and the ACCC for all of our benefits.

If you are referring to them had nosing suppliers and screwing customers there is nothing in terms of breach of contract there.

The ACCC has taken Woolworths to task for various breaches of the TPC over the years.

 

[cove]

Look basically it is a war out there with WW assaulting your pocket as well as they know how and this loyalty card is to draw you in to their line of fire.
There is nothing illegal in them margining up at any opportunity but we can shop anywhere we like as our retaliation.
I hope Aldi and Costco come to Perth soon as we miss the competition.
I doubt you will get called about your expenditure but WW are pretty likely to run tracking software mainly to see what works well for them as retail kings.
I think paying all personal taxes should be eligible under their rules as they are not business expenses.

 

[simongr]

So what happens is that WW set up a card based on personal expenditure with a costing model that supports that. Some people take the card and agree to the T&C and then actively promote breaching them. This is NOT the spirit of the T&C but the letter. All WW will then do is adjust the benefits overall to keep costs down - meaning fewer promos for people using the card in line with the T&Cs. I hope you are proud of that.

 

[Walter Plinge]

Look basically it is a war out there with WW assaulting your pocket as well as they know how and this loyalty card is to draw you in to their line of fire.
There is nothing illegal in them margining up at any opportunity but we can shop anywhere we like as our retaliation.
I hope Aldi and Costco come to Perth soon as we miss the competition.
I doubt you will get called about your expenditure but WW are pretty likely to run tracking software mainly to see what works well for them as retail kings.
I think paying all personal taxes should be eligible under their rules as they are not business expenses.

Sadly, you will never see Aldi and Costco in Perth. They have stated on the record they will not open in the west until trading hours are liberalised. 1980s trading hours are anti-business and, more importantly, anti-consumer.

 

[Deleted User]

So what happens is that WW set up a card based on personal expenditure with a costing model that supports that. Some people take the card and agree to the T&C and then actively promote breaching them. This is NOT the spirit of the T&C but the letter. All WW will then do is adjust the benefits overall to keep costs down - meaning fewer promos for people using the card in line with the T&Cs. I hope you are proud of that.

So should I now feel guilty for paying off the full balance every month....? Seriously I buy fuel for my car, yes some of that fuel is used for business, so do I only half fuel and then use another card...? I sometimes buy "business" shirts, suits & pants... Am I allowed to buy these on this card or not...!

What about my tax bill... Since I am a sole trader I do not easily fall under either "presonal" or "Business" tax, anyway I do pay the tax from earning money which is a "personal" gain for me

I am not guilty the way I use this card, the T&C's are there as a rule book, if they want to kick me out of the club for breaking the rules then thats life, until then I will use this card to my gain wherever possible. After all are we not all diluting the available points pool just for applying for the card / scheme...?

My 2 cents worth.... sorry, rant over now

 

[cove]

Ok WW and HSBC buy points from QF by the billion and get a wholesale purchase price for them.
Let us believe those points cost somewhere between 0.5 and 1.0 cents each from QF.
When we pay ATO taxes the fee charged is 0.65 cents for a MasterCard.On other vendors they may get up to about 2.0 cents fee.
Then the banking side is to charge about 20 % on unpaid balances plus late fees less bad debt write-offs and running costs.
WW get the loyal shoppers and we get the points so isn't everyone a winner?
That is my 2 cents worth as I think we consumers really like the travel benefits.

 

[cove]

Check list:
QF is happy because they are selling billions of points for cash knowing some won't ever get used and they get a chance to fill every last seat that could have gone empty.
HSBC get a lift in their loan book that earns the highest interest rate on any Australian bank lending plus transaction fees to offset those people who always pay the whole bill on time (less WW share of the booty)
WW get more loyalty for more retail sales plus their share of the booty but they have a cost of buying points that QF sell.Now if WW sales go up by say $100 million per billion points given and they pick up $35 million gross a month per billion I think someone is going to get a bonus in WW rather than the consumer.
Anyway if my math is lousy let me know because I think there aren't any losers in joining in and having a card.

 

[cove]

Walter that is disappointing to hear ALDI and COSTCO aren't bound for Perth.
Our trading laws are a work in progress.
Did I have to declare my Woolworths shareholding?

 

[froggerADL]

1980s trading hours are anti-business and, more importantly, anti-consumer.

Although quite pro-family, IMHO.

I often wonder how we ever managed to shop "in the old days".

 

[cove]

In Perth the trialled shopping hours/days are not pulling crowds that retailers expected.
I think that by Sunday Perth people are shopped out and have already spent it all during the other six days.
This MasterCard is very easy to use but I still use an Amex for Woolworths and then get the card swiped for the bit on the back of the everyday credit card.

 

[simongr]

Although quite pro-family, IMHO.

I often wonder how we ever managed to shop "in the old days".

In the old days did we have conference calls in the evenings, multi national projects, being on call 24 hours a day?

 

[drewbles]

In Perth the trialled shopping hours/days are not pulling crowds that retailers expected.
I think that by Sunday Perth people are shopped out and have already spent it all during the other six days.
This MasterCard is very easy to use but I still use an Amex for Woolworths and then get the card swiped for the bit on the back of the everyday credit card.

From what I gathered when I was in Perth at Christmas time, the reason trading is suffering at present is the mish-mash of rules that are just confusing people.

At present (iirc) people who are 'sole traders' or family business (including the likes of IGA) are allowed to open pretty much whenever they wish. Other companies cannot (there was a case when Archie Martin/Chandlers tried to open on a Sunday at City West many years ago and got fined for it). Then of course Fremantle/Rockingham and Perth City are different again. It's a real mess.

Then there are the new 'until 9pm' rules for Woolworths and Coles. People are still not sure what the go with these are.

I think they need an all-or-nothing approach. I really don't like spending more than a week in Perth. The lack of things to do on a Sunday is just annoying (after having lived on the 'right' side of the country for 10 years that's my 2c worth at least ).

 

[oz_mark]

At present (iirc) people who are 'sole traders' or family business (including the likes of IGA) are allowed to open pretty much whenever they wish. Other companies cannot (there was a case when Archie Martin/Chandlers tried to open on a Sunday at City West many years ago and got fined for it).

It was Harvey Norman that traded on Sunday (after they had taken over the Archie Martin store at City West). They had argued that since the store was made up of a group of smaller franchises, that they were small businesses exempt from the laws. The courts did not support their view.


Anyhoo, I finally succumbed to temptation and applied for one of these cards the other day (which will be replacing my, ahem, Diners Club card). See how it goes. Got my Veda alert the same day as I applied. Must be an automated part of the process.

 

[Moopere]

From what I gathered when I was in Perth at Christmas time, the reason trading is suffering at present is the mish-mash of rules that are just confusing people.

This is certainly the case for me. Speaking with others about this subject solicits much the same response. Big disappointment when you travel to somewhere you think 'should' be open then to find the whole area closed up (parts of Subiaco for instance).

I remember the first day of Sunday trading in the city last year (or the year before now its 2011 I guess). Hundreds of people milling around but only Myers was open!!! They were doing a huge trade

That experience really turned me off. Went to the trouble of getting to the city, parking, walking to the shopping district and everyone was closed. Very poor show.

I agree, all or nothing. If you expect shoppers to turn out in droves then you have to be open and the district you are operating from has to have more than one IGA store doing business, there must be several shops/cafes/general stores operating.

 

[Walter Plinge]

Although quite pro-family, IMHO.

I often wonder how we ever managed to shop "in the old days".

The missus, occupation 'home duties', did all the shopping. In those day your little woman stopped work at about 6 month pregnant and didn't work again until the kids were in high school. Not arguing for a return to those times but that's how it was. House prices, &c, were such that you could get by on a single income. Not now of course -- but the west's shopping hours haven't caught up with the needs of the working family.

Today's house prices are most certainly not pro-family.

From an eastern point of view it's hilarious to look at the West and see them pointedly not learning the hard-learned lessons from here.

Small, then all, supermarkets grudgingly allowed to open on Sunday but with the hardware aisle roped off so you couldn't buy a screwdriver or timber hammer (an automotive ball-peen was OK). Frank Penhallurick going to prison for opening his hardware store on a Sunday - and prepared to do it again. Eventually politicians saw sense and now shopping in Melbourne on weekends is a family day out -- the malls and the city are packed with people. Weekends are the busiest shopping days of the week.

Supermarkets used to open 24/7 but most shut at midnight now. Occasionally I head down to the local Coles around 10:00pm for lollies or icecream and there's always several people shopping, some doing the main shop.

One rationale for supermarkets was they run the fridges 24 hours and usually packed after hours so it made sense to open with one or two checkouts going and a security guard.

By the way I'm from the West and all my family is still there. My brother is in Rocky so he's OK, not so the others.

Edit -- the was one group of store owners that was devastated by the liberalisation of shopping hours: the corner store or milkbar. There are comparatively few around now. Most independant supermarkets, furniture shops, &c., adapted and thrived.

 

[froggerADL]

The missus, occupation 'home duties', did all the shopping. In those day your little woman stopped work at about 6 month pregnant and didn't work again until the kids were in high school.

Today's house prices are most certainly not pro-family.

Small, then all, supermarkets grudgingly allowed to open on Sunday but with the hardware aisle roped off so you couldn't buy a screwdriver or timber hammer (an automotive ball-peen was OK).

Ahh. The good old days.

My first job was at Woolies in the 70s, in Adelaide. On Saturdays we were open until 11am. It was absolutely packed from opening time until closing.

We knocked off work then went to the beach. Which was also packed.

Ahh. The good old days.

At least the beaches are quieter now.

 

[tension]

My Everyday rewards page now says "Richard's Everyday Rewards Qantas Credit Card 54xx_xx_xx_xx_x" which was pending a week ago but I havn't received any card in the mail.

I just bought a new PC so I'm hoping to use this CC to pay for it and get the points Hope it arrives soon.

It's strange as I was just on the $50k min salary and I filled out the rest of the details and they did not ask for any further details. The lack of any sort of response of acknowledgement via email or otherwise is rather disturbing though.

 

[oz_mark]

I'm the same - the note on the everyday rewards page tells me there is a card (but I applied on Monday, so wasn't expecting a card just yet

 

[dfcatch]

So I called up the number on the form and they said that I had to call "Applications" during business hours on a different number.

Called "Applications" and they said the 14-days to get your ID checked is a guideline, but that said, I should get in the next day to have it checked.

Rocked up at the local Woolies just to find the service desk clueless about the whole thing. Then no-one there had access to the system and that I should come back the next day.

So, rocked up the next day and again no one could access the system. Got a phone call a few hours later from the girl saying that it had gone through OK.

Nothing on my profile page on the website - it used to say "pending", now there is nothing so I hope my application is actually still there....... we'll find out.

I have to say - quite an amateur operation.

I would have thought an organisation the size of Woolies would be able to get their act together.