Just as an update, I finally got around to tabling all the transactions with Woolworths Online between Sep'18 upto this current week. And sure enough, there is 33 orders out of 58 that were declined, almost $7k worth, equating to approximately 14k QFF points. Whereas prior to October 2018, there was not a single decline on any transaction.
When looking at each transaction, where some included refunds (due to out of stock items or substituted items), some included coupons ie credit from a previous refund, some included payment using PayPal, some using Woolworths gift cards, some with a mixture of all different payment types - there was not a single pattern for the declines. For every possible reason for a decline, there would be a transaction that was accepted that included the same scenario.
I've sent through a 140pg PDF file containing the QF Shopping history, the Table i produced and each and every invoice over that period to QFF. Lets see what they say.
My fear is that they are doing the same to every other shopper who uses the QFF online mall and Woolworths Online shopping - with many other customers missing out on thousands of Points.