So though I'd share my horror story about Westpac since it shows why you don't want to be dealing with them if you need customer service.
TLDR : Westpac stuffed around for 3 months on new CC, never contacted me once and then cancelled credit card and told me to reapply due to their mistake while lying when asked multiple times on what was happening.
So back in the beginning of December I applied for a credit card and was approved, they sent me a notice that while my Credit card was shipping and I could activate my virtual card to start using the account, now I'm not activating an account until i have the physical card to ensure no chance of fraud.
Come January I still have not received the card (i had waited as it was the Christmas period so though maybe extra delay) so i call and get a response oh it due to a fraud hold you need to go into a bank and show your 100 points of ID , now if i had not called i would not have known as there was no email or phone call or even a letter.
I go in next day and show them ID and it is all processed.
First week of February still no card i call up again, again i am met with oh it because of fraud i asked to be put through to the fraud department, who then say no there is no fraud hold but since you have not got your card, we will close that one and issue a new card to be safe it will be there in 3-4 days.
3 days later i get a card via courier BUT it is the old card that was sent out sent out that day after it was already cancelled (letter is dated same day),I can't activate it as it is old card so i ring up again and they assure me "no no a new card will be there in less than 3 days" so to be good I wait 5 days.
5 days later no card still so i use the chat feature to which the rep ends up telling me it has shipped and i should follow up with Australia post I then say give me a reference number then and I will, they then admit, oh we don't have one you need to call customer service after 30 minutes avoiding the issue.
I Ring up again and get told oh that card was cancelled due to no activity, and I will need to reapply, I say no the card was only issued last week so how can it be an inactive flagged and ask to speak to fraud department who then tell me that was weird, and they will look into it. after a 10-minute hold they admit the NEW card was cancelled due to 45 days of inactivity even though it had only been a week and that i would need to reapply, to which i said nope I'm using a different bank to which this CS rep admitted was understandable.
Now during this whole ideal I was polite and nice but did tell the last person I interacted with that while i know it was not their i fault but that please not on the complaint ticket that i was extremely pissed at this situation.
This doesn't follow the traditional joke paradigm.