FYI CBA Credit Cards are categorising payments to Liven as Cash Advance.
I had to request it be refunded so it doesn't affect my interest free period.
So set your fallback payment to a debit card rather than CBA credit card.
Or another bank's credit card.
Wouldn't surprise me. Basically making money until people find out.
I had a home loan with their low cost subsidiary years go (Homepath) then it got merged into CBA and they decided to put me on a way higher rate like 1.5% higher and refused to lower it (I had another loan with them too which was getting their headline rate and I was also paying the package fee).
I had a Homepath loan years ago too.
I didn't see the rate change when merging.
I'm still with CBA (could be related to the old Homepath loan) as a ex-staff member I get free wealth package for the life of the loan.
I don't see why it's a Cash advance either.
I believe it's only a recent thing as I've used my CBA credit card with Liven for years, only the recent transaction was flagged as a Cash Advance.
I am wondering if the fee can be avoided when the credit card is used via Apple Pay?
I did pay via Apple Pay
What if you use cba cc to purchase the brand dollars in liven? Anyone know?
I’d also say cash advance as CBA see liven as a cash provider
Also a cash advance. I had gambling lock on which rejected Liven transactions. Once I turned it off, it charged a cash advance lol. Wonder if the app is flagged as gambling on CBA in error.
@Berocca: From talking with CBA support they didn’t pick it up as a gambling transaction when I asked why it was treated as a cash advanced.
They are blaming it on Liven but I have no second credit card to try.
They are blaming each other but I think that it’s got something to do with Liven’s payment system. It’s not just CBA/BankWest cards, also happens with ANZ. Started happening in Oct2024 which I’ve also logged with Liven but I don’t think they’re doing anything about it which is sad coz they’ll lose customers like this.
I don’t think it’s Liven’s fault.
It’s the way the credit card provider codes the payment type.
I’ve had multiple conversations with the BankWest support & they have said it’s their payment system. I’ve tried with multiple banks & it’s the same thing. They have said that it’s their (Liven) coding. I’ve had the charges reversed so many times that they won’t do it anymore.
I got this today and from CBA chat they said:
Transactions that are considered a cash advance include:
Other cash equivalent transactions
The reason why the transaction for Liven is taken as cash advance is due to it being a cash equivalent transaction that is treated as a cash advance. It involves using a card to purchase or transfer funds that are similar to cash, such as travellers' checks, foreign currency, money orders, wire transfers, lottery tickets, or gambling chips. Cash equivalent transactions may also include paying utility bills or other bills using the card. Cash equivalents are not the same as cash equivalent transactions. Cash equivalents are investments that can readily be converted into cash.
I just set the fallback payment to a debit card to avoid the issue.
No point trying to fight the system while Liven and the Banks blame each other.
By Comm Bank https://www.commbank.com.au/credit-cards/manage/cash-advance… definition, I don't see how it is a Cash Advance.
I guess they get you under:
Transferring money from your credit card account to another account