howtocreditcardchurn » user profile

Yes, full points in the first month and then full refund after first statement period.

Can also confirm St.George also offer full refund on annual fee when cancelling over the phone within the first month

At least there’s a chance to get the annual fee refunded. Not chance of that with the AMEX

For points 2 & 3, unfortunately, if you would like to use any bonus points you receive for a credit card you plan on taking out in…

No longer do pro rata refunds. They even mention it now in their T&C, which is a bummer as they used to offer it without having to ask.

Commbank offers travel insurance without needing to purchase anything travel related on their credit card.

I try to usually just redeem my Amex MR points to pay off charges on the credit card. Conversion rate isn’t great but if not really…

Thanks, that’s cleared things up.

I think I’m not understanding the point of the associated. It pops up with I am associated with and then obviously my website which I am…

You’re right I missed the Qantas which was there in the card description. My bad.

I had ANZ refund my annual fee for Qantas Black card 7 months ago with no questions asked. Maybe because it was reward points and not…

I have a home loan with CBA with offset and a credit card with them as well which is free under their wealth package. All our family…

Yes it does, but it might not go down and might increase if you pay it off on time. I apply for a credit card, meet the minimum spend and…

I find over time it will go up if you don’t churn more that 1 card a month. I churn 6 to 10 cards a year and have a credit score of 909.

What issues did you have, I thought they were one of the best to deal with.

Yes you’re right it is just my opinion from my personal experience and based on what I have read from ozbargain forums over the years…

The idea behind the application is good. As someone who has also been churning for a while, I would use an app like this, however I just…

I have always received the full refund back. The longest I have held a credit card for is 4 months with Westpac and still received the full…

Pro rata on annual fee. What did you mean by the whole sum?

It’s not hard to do. After a while it almost becomes a challenge to see how many cards I can churn for points. Now it’s just a habit to…

Not the monthly fee, but the annual fee

Just call up as you cancel and ask for the annual fee to be refunded on a pro rata basis. I've never owned a credit card for longer than 4…

I churn through 6 to 10 cards a year and have a credit score of 862. In my experience, as long as you pay off your cards in full and on…

Oh wow it is reduced. Looks like every bank is reducing its bonuses. Still is probably the best card as you can also ask for the annual fee…

Get the ANZ Rewards black. It has one of the best signup bonuses and gives you cash back. As it looks like you churn cards, you will be…

Citi premier is also great for gift cards

I just tell them, “why should I pay for 12 months fee if I only had the card for just 2 months.” Usually they don’t ask, and if they…

What company as im Melbourne based?

Just finished dealing with Tuvz. Extremely fast and straight forward transaction. Hopefully the rest also goes well!

Will filling up petrol ćpuny to the coles express minimum Spend? Or is it only for in store purchases such as milk and toilet paper ect.