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Qantas Premier Credit Card

Dr Ralph

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Bugger. If you have no debt and own your own home plus a reasonable income do you have any idea what the percentage of credit card limit to income is in terms of what they usually are happy to approve?
Not in a position to comment on this.
 

ellen10

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So my annual fee ($299) is due.
I phoned today and they agreed to halve the fee to $149.50. I suppose I could have tried to hold out but I didn't want to really cancel this card and go through the whole process of applying for a different card. I had so much angst with my latest ANZ card application. (ANZ did not like that I was salary sacrificing a large amount into super).
I know people on here have had problems with Citi bank but all my dealings with them have been good, and I like the 1:1 QFF conversion.
 

DC3

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So my annual fee ($299) is due.
I phoned today and they agreed to halve the fee to $149.50 ..
You did better than I did. Manila was not interested in halving my fee. I must be doing something wrong.

... I had so much angst with my latest ANZ card application. (ANZ did not like that I was salary sacrificing a large amount into super) ...
And ANZ actually said that? Seems a bit over-the-top (if not outrageous). Many are able to salary sacrifice up to 100% of their wages and use a spouse’s, etc., income as living expenses.
 
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ellen10

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You did better than I did. Manila was not interested in halving my fee. I must be doing something wrong.

Yes I was happy with the outcome as I had read of others not being so lucky.

And ANZ actually said that? Seems a bit over-the-top (if not outrageous). Many are able to salary sacrifice up to 100% of their wages and use a spouse’s, etc., income as living expenses.
Yes ANZ were difficult, despite owning our house (no mortgage) substantial savings. Questioned my payslips and the take home pay (less the salary sacrifice). I had previously had this card and applied after the 12 month cooling off period. I'm looking at retiring in about 12 months time and fear that getting new credit cards will be difficult even though I will have a super income.
 

DC3

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... I'm looking at retiring in about 12 months time and fear that getting new credit cards will be difficult even though I will have a super income.
At Least you are getting the credit cards sorted before retirement, to save further issues.
 

nickfromeastryde

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Sep 25, 2010
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So my annual fee ($299) is due.
I phoned today and they agreed to halve the fee to $149.50. I suppose I could have tried to hold out but I didn't want to really cancel this card and go through the whole process of applying for a different card. I had so much angst with my latest ANZ card application. (ANZ did not like that I was salary sacrificing a large amount into super).
I know people on here have had problems with Citi bank but all my dealings with them have been good, and I like the 1:1 QFF conversion.
Mine is coming up next month, what did you say to get them to halve the fee?
 

ellen10

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I phoned and said "I know my annual fee is due and I don't wish to pay it". The operator looked at my account and said yes I can see that it is due, I will have to put your through to my manager. So then someone else came on the line I repeated what I said about not wishing to pay the annual fee. I added that you can see that I use this card frequently. She said "let me take a look". Then she came back on the line and said that she can halve my annual fee. I would pay $149.50 and she would put a waiver through for the other half. I said I was happy with that and thanked her.

I have just checked my account, and yes I have an annual fee debit of $299 and a credit of $149.50 which says waiver until Nov 2020.

I was happy with the outcome. As I said previously I like the card and have had several shopping offers of extra points along the way.

Good luck, report back on your outcome.
 

nickfromeastryde

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I phoned and said "I know my annual fee is due and I don't wish to pay it". The operator looked at my account and said yes I can see that it is due, I will have to put your through to my manager. So then someone else came on the line I repeated what I said about not wishing to pay the annual fee. I added that you can see that I use this card frequently. She said "let me take a look". Then she came back on the line and said that she can halve my annual fee. I would pay $149.50 and she would put a waiver through for the other half. I said I was happy with that and thanked her.

I have just checked my account, and yes I have an annual fee debit of $299 and a credit of $149.50 which says waiver until Nov 2020.

I was happy with the outcome. As I said previously I like the card and have had several shopping offers of extra points along the way.

Good luck, report back on your outcome.
Thanks Ellen, I will be just as direct and see how it goes. Will certainly let the forum know how I get on.
 

I love to travel

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Just for interest the application process is broken at the moment, you can't get past the employment screen. Won't be fixed until 24 November at least.
 

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