TwentyTwoCarats » user profile
| Member Since | 03/08/2018 |
|---|---|
| Last Seen | Online Now |
| Badges | 5 2 |
| Location | Canberra |
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TwentyTwoCarats replied to 
Autonomic on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My Scenario
Autonomic on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My ScenarioNah they’re right, I’m just going to shoot for the stars I reckon.
TwentyTwoCarats replied to 
bk1973 on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My Scenario
bk1973 on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My ScenarioHmm I see, thanks for providing your own experiences, I guess we will never know the true math as every bank’s process varies. If asked,…
TwentyTwoCarats replied to onceupon8 on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My Scenario
onceupon8 on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My ScenarioBro she has an apostrophe in her name and my god that creates so many difficulties in ID checks and stuff, she almost always has to go to a…
TwentyTwoCarats replied to 
simplystu on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My Scenario
simplystu on How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My ScenarioI clarified that I have a PPOR mortgage owing between 500-600k
TwentyTwoCarats posted a forum topic How Many Credit Cards (or Total Card Limit) Would I Be Able to Sustain Given My Scenario
So I'm talking about churning credit cards. My salary is about $174k with some small bonuses and if it matters my partner is on about $90k…
TwentyTwoCarats replied to whyisave on Westpac Altitude Velocity Black Credit Card: 90,000 VFF ($6000 Spend in 120 Days), $295 + $75 Annual Fee ($225 1st Yr Existing)
whyisave on Westpac Altitude Velocity Black Credit Card: 90,000 VFF ($6000 Spend in 120 Days), $295 + $75 Annual Fee ($225 1st Yr Existing)Which partner gave you the best sign up bonus? But at what cost (annual fee)?
TwentyTwoCarats replied to ATTS on [Perks] PS5 DualSense Edge Wireless Controller $260.10 + Delivery ($0 C&C/ in-Store) @ JB Hi-Fi
ATTS on [Perks] PS5 DualSense Edge Wireless Controller $260.10 + Delivery ($0 C&C/ in-Store) @ JB Hi-FiDepends on employment and the pressure from that employer
TwentyTwoCarats commented on [Perks] PS5 DualSense Edge Wireless Controller $260.10 + Delivery ($0 C&C/ in-Store) @ JB Hi-Fi
Why should one pay $180 extra for this
TwentyTwoCarats replied to haliloo on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St George
haliloo on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St GeorgeWhen does the 90 days spend criteria period begin? From when you get approved or when you activate your card?
TwentyTwoCarats replied to Turbonetics on CITI Prestige Credit Card: 150,000 Bonus Velocity Points - $12,000 Spend in 3 Months, $700 Annual Fee @ Citibank
Turbonetics on CITI Prestige Credit Card: 150,000 Bonus Velocity Points - $12,000 Spend in 3 Months, $700 Annual Fee @ Citibankwell business to europe one way is about 139k VFF + $500-800 in fees. economy to europe is about 70-75k VFF + $300 fees.
TwentyTwoCarats replied to alexisagun8 on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St George
alexisagun8 on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St George2:1. 100,000 amplify = 50,000 velocity. It probably takes a few business days to transfer.
TwentyTwoCarats replied to 
ginger-gin on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St George
ginger-gin on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St GeorgeAbsolutely horrendous process indeed. And they still use pigeons to send you letters. Not even kidding, I used to be advised of rate rises…
TwentyTwoCarats replied to haliloo on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St George
haliloo on Amplify Rewards Platinum: 100,000 Points with $3000 Spend in 90 Days, $49 1st Year Fee ($0 for Existing Customers) @ St GeorgeAbsolutely agree. The online form for applications makes no sense - you don't get a real confirmation when you have submitted documents…
TwentyTwoCarats commented on 5% off All Outbound, International Flights - Pay with Citi Credit Card @ Trip.com
Dude F trip . com I was looking for a particular flight and they had the cheapest price according to Skyscanner. But as soon as I went over…
TwentyTwoCarats commented on X Premium $81/yr (Was $135) & Premium+ $162/yr (Was $270) @ X.com (Formerly Twitter)
Do not let Elon/USA believe that they can make money off charging people to participate in their state media / propaganda.
TwentyTwoCarats replied to 
AnDyStYLe on Apple AirPods Pro 2 (USB-C) with Magsafe Case $289 Delivered @ Amazon AU
AnDyStYLe on Apple AirPods Pro 2 (USB-C) with Magsafe Case $289 Delivered @ Amazon AUYeah. And what does it matter? Every genuine Apple AirPods Pro is the same no?
TwentyTwoCarats commented on Apple AirPods Pro 2 (USB-C) with Magsafe Case $289 Delivered @ Amazon AU
Legenddddddd. Got it for 260 <3
TwentyTwoCarats commented on Dreame Mova M1 Robot Vacuum and Mop Combo (4500Pa Suction, LiDAR) $142.49 Delivered @ Dreame Amazon AU
Random question - how does the vacuuming capability of this compare to the $1000 Q Revo?
TwentyTwoCarats replied to star-ggg on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
star-ggg on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year100% it requires a bit of dedication and research to score these business reward seats. Gotta use different sites to snipe those good…
TwentyTwoCarats replied to Salternative on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
Salternative on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearFully agree with you that other cards such as nab and anz are far easier and better churns - i’m cracking into those other ones now. I…
TwentyTwoCarats replied to ihbh on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
ihbh on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearI absolutely share your sentiments. I think I’m lucky to have a great salary and my wife earns decent money too. We’re lucky enough to…
TwentyTwoCarats replied to freshofftheboat on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
freshofftheboat on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearYou are absolutely right - my analysis today was trying to calculate the literal $AUD value obtained - not factoring in what I would pay in…
TwentyTwoCarats replied to 
b-t on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
b-t on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearBecause i used it on business class. If used on economy then it’s closer to what you said
TwentyTwoCarats replied to jleno on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
jleno on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearCorrect. There’s more trips coming up, more house renos/appliances, etc etc. Will aim to make every dollar work towards VFF. Obviously…
TwentyTwoCarats replied to Bargainitis on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
Bargainitis on AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First YearExactly. We had more spending on the Coles card too. Imagine if AMEX could be used everywhere? Would be looking at even higher annual spend.
TwentyTwoCarats posted a forum topic AmEx Platinum Used Properly (Converting to VFF or QFF) - How You Can Benefit over $10k+ in The First Year
As an avid OzB user, I saw that people really use the heck out of credit cards and bonuses, so I gave it a crack and got the Amex Platinum…
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TwentyTwoCarats replied to gamesnepal on NEBULA by Anker Cosmos Laser 4K Projector $1,499 (Was $3,995) Delivered @ AnkerDirect AU via Amazon AU
gamesnepal on NEBULA by Anker Cosmos Laser 4K Projector $1,499 (Was $3,995) Delivered @ AnkerDirect AU via Amazon AUThe yanks project themselves onto the world so they deserve it
TwentyTwoCarats commented on Virgin Money Velocity High Flyer Card: 40,000 Velocity Points with $3,500 Spend Each Month for 2 Months, $329 Annual Fee
This is a horrendous de-valuation of an already not impressive card. Plus add to that the devaluation of the overall VFF program - they are…
TwentyTwoCarats commented on Pay $10,000 Business Bills at pay.com.au in 1 or More Transactions, Get 20,000 Bonus Membership Rewards Point @ American Express
Utter rubbish, why spend $10,000 just for 20,000 Amex Rewards. Spend the 10k fulfilling other CC Churns.
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