howtocreditcardchurn » user profile
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Member Since | 14/12/2016 |
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Last Seen | 19 hours 46 min |
Location | Melbourne |
Website | www.howtocreditcardchurn.com |
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howtocreditcardchurn replied to
curintia44 on Credit Card (Qantas edition) Pro-rata refund of annual fee list
![](https://files.ozbargain.com.au/g/20.jpg)
Yes, full points in the first month and then full refund after first statement period.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
Can also confirm St.George also offer full refund on annual fee when cancelling over the phone within the first month
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
sumyungguy on Qantas AmEx Ultimate: 100,000 Qantas Points (with $3000 Spend in 3 Months), $450 Travel Credit, $450 Annual Fee
![](https://files.ozbargain.com.au/u/25/115725-20.jpg?h=2116ec21)
At least there’s a chance to get the annual fee refunded. Not chance of that with the AMEX
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
Rosscom27 on NAB Qantas Rewards Signature Card: 90,000 Points ($3000 Spend in 60 Days), 30,000 Points 2nd Yr, $295 Ann Fee Existing Customers
![](https://files.ozbargain.com.au/g/20.jpg)
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.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
sydboy007 on NAB Qantas Rewards Signature Card: 90,000 Points ($3000 Spend in 60 Days), 30,000 Points 2nd Yr, $295 Ann Fee Existing Customers
![](https://files.ozbargain.com.au/g/20.jpg)
Commbank offers travel insurance without needing to purchase anything travel related on their credit card.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
mahdoo on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/g/20.jpg)
Thanks, that’s cleared things up.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
mahdoo on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
drhip on Credit Card (Qantas edition) Pro-rata refund of annual fee list
![](https://files.ozbargain.com.au/u/03/249603-20.jpg?h=8202ea77)
You’re right I missed the Qantas which was there in the card description. My bad.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
drhip on Credit Card (Qantas edition) Pro-rata refund of annual fee list
![](https://files.ozbargain.com.au/u/03/249603-20.jpg?h=8202ea77)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn commented on Those with Offset Home Loans - What's Your Cashflow / Process and Do You Have a Credit Card?
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…
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howtocreditcardchurn replied to
darkly on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/u/07/109807-20.jpg?h=68c8c709)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
FR3D99 on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/g/20.jpg)
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.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
jayz on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/u/04/147504-20.jpg?h=1120c522)
What issues did you have, I thought they were one of the best to deal with.
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
vetopower on ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
Pro rata on annual fee. What did you mean by the whole sum?
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
b0b0 on Bonus 70,000 Qantas FF Points with Citi Ready Credit ($199 Establishment Fee, Minimum Loan $5,000 90 Days, 6.9% p.a.) @ Citibank
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
Not the monthly fee, but the annual fee
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
Citi premier is also great for gift cards
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn replied to
jjc1995 on Credit Card (Qantas edition) Pro-rata refund of annual fee list
![](https://files.ozbargain.com.au/g/20.jpg)
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…
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
What company as im Melbourne based?
![](https://files.ozbargain.com.au/u/32/204632-38.jpg?h=dccc3159)
howtocreditcardchurn commented on Safer Way to Sell Any Airline, Bank or Credit Card Points - Enquire Within
Just finished dealing with Tuvz. Extremely fast and straight forward transaction. Hopefully the rest also goes well!
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howtocreditcardchurn commented on AmEx Statement Credits: Coles Express (Spend $40 Get $10), Harris Farm Online (Spend $120 Get $50), Android Pay (+2 Pts Per $1)
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.
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