Grudgee Every Mod's Favourite Member Member 1,496 Member For: 17y 1m 17d Gender: Male Location: Melbourne Posted 28/07/08 11:18 PM Share Posted 28/07/08 11:18 PM The only time the bank has called me was when I threw a couple grand into an online gambling website. Apart from that, no transactions have ever been questioned. We use ANZ Frequent Flyer Gold cards and just took a second card for the business, as you only get 1 point per $1 up to $5k. Over that the points diminish, which sucks. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-711655 Share on other sites More sharing options...
Craig. Member 563 Member For: 18y 1m 2d Gender: Male Location: Sunshine Coast QLD Posted 29/07/08 12:20 AM Share Posted 29/07/08 12:20 AM Buf-Phoon said: It's up to you if you pay cash for everything. I prefer to have my cash balance sitting and reducing my Sydney mortgage on the banks money.It still is paid in full evey month as anyone with Amex knows, but do the math over your average $350k loan and see how much it saves over 25 years Sounds like a winner Buf but if ALL of your money is in your account how to you pay for a cup of coffee, schooner of beer, a sandwich for lunch, a loaf of bread or a can of coke. Do you not carry SOME money on you because I cant see a credit card doin it for you in these instances. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-711671 Share on other sites More sharing options...
bugster70 Donating Members 1,326 Member For: 19y 11m 19d Location: Canberra Posted 29/07/08 06:12 AM Share Posted 29/07/08 06:12 AM We had a very similar experience with my Westpac Platinum Amex a few months back. Except the transactions originated in France and occurred around midnight our time. There were two separate attempts to charge about $25K (each) to my card, both of which were blocked by Westpac. Given the time of night it happened, they didn't risk waking me up by calling me but sent me an email asking me to ring them ASAP instead. I rang them first thing in the morning and was more than impressed by the speed they picked up on this and alerted me to it. So yes, for all they charge me, Westpac has kept me happy. As for the Platinum card, I use it in a similar way to Buffy. All my expenses go on it and my money stays offsetting my mortgage for as long as possible before the card is paid off in full each month. Works for us and apparently saves us a fortune. If only our monthly credit cards bills weren't quite so high!!! But yeah, you pay a higher annual fee for the card, but do get significant additional rewards in return. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-711766 Share on other sites More sharing options...
Buf-Phoon loitering with intent Lifetime Members 13,318 Member For: 21y 8m 3d Gender: Male Location: Zombie Birdhouse Posted 29/07/08 06:27 AM Author Share Posted 29/07/08 06:27 AM craiginmackay said: Sounds like a winner Buf but if ALL of your money is in your account how to you pay for a cup of coffee, schooner of beer, a sandwich for lunch, a loaf of bread or a can of coke. Do you not carry SOME money on you because I cant see a credit card doin it for you in these instances.Of course there is a small float I keep in a key card account for such occasions Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-711778 Share on other sites More sharing options...
smicky Go Pies!!! Donating Members 2,852 Member For: 17y 2m 5d Gender: Male Location: Vic Somewhere - Sometimes NSW Posted 03/08/08 11:40 AM Share Posted 03/08/08 11:40 AM I'm with Buf on this one....Ive got the Platinum with Westpac also...Pay for everything but the coffee, and bottle of water with it....Rent, fuel, bills, everything - on the Amex $1 = 3 points on he frequent flyers! ($1=1 point on the MC I think)Its great, gives me enough to head away at the end of the year.... Just received the new Macq Bank Platinum visa during the week, with will now take over all the business orders (rather than the MC) $1 = 1.5 points... Happy days!!!!Have rec'ed a number of calls from Westpac fraud over the past, however all ok, was just a mix up with the replacement cards.... Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714026 Share on other sites More sharing options...
tab Sucker Moderating Team 32,303 Member For: 20y 11m 28d Gender: Male Location: Brisbane Posted 03/08/08 12:17 PM Share Posted 03/08/08 12:17 PM The chip on the mastercard is a pain though...have to explain to all the places with new terminals how to use the farkin thing And then watch em freak out when you put your PIN in and it doesn't ask for a signature. Although I think all cards are like that now Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714053 Share on other sites More sharing options...
smicky Go Pies!!! Donating Members 2,852 Member For: 17y 2m 5d Gender: Male Location: Vic Somewhere - Sometimes NSW Posted 03/08/08 01:18 PM Share Posted 03/08/08 01:18 PM tab said: And then watch em freak out when you put your PIN in and it doesn't ask for a signature. Although I think all cards are like that now MC and Visa yes... but not Amex... :( wish they would do the same but... would make life easier... maybe its the whole 'ideal' of - "Oh so sorry, I need to sign... As I have American express"Oh and I dont think Dinners Card has it either... (citibank).... Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714083 Share on other sites More sharing options...
bugster70 Donating Members 1,326 Member For: 19y 11m 19d Location: Canberra Posted 03/08/08 11:50 PM Share Posted 03/08/08 11:50 PM The only problem with the Amex is that fewer and fewer merchants seem to accept it these days 'cos the fees charged by Amex are so damn extortionate. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714166 Share on other sites More sharing options...
tmac450 Member 1,650 Member For: 18y 7m 18d Gender: Male Location: NSW Posted 04/08/08 02:18 AM Share Posted 04/08/08 02:18 AM bugster70 said: The only problem with the Amex is that fewer and fewer merchants seem to accept it these days 'cos the fees charged by Amex are so damn extortionate. Yep, we dumped Amex at work a few years ago because they charge way more than all of the other, they held onto the money for weeks rather than give it to you straight away, and not enough customers want to use them anyway. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714204 Share on other sites More sharing options...
Dillz Three pedals are better then two.. Donating Members 15,637 Member For: 17y 10m 27d Gender: Male Location: Melbourne Posted 04/08/08 03:30 AM Share Posted 04/08/08 03:30 AM tab said: For all their faults I too take my hat off to them for watching these things - not sure if it's the platinum thing, or if everyone gets the same attention, but have had many calls from them in regards to suspect transactions. All false alarms so far thankfully though.But then you pay them enough for the bloody privilege A $50 bum card limit probably doesn't interest them that much. Link to comment https://www.fordxr6turbo.com/forum/topic/48103-westpac-credit-card-users/page/2/#findComment-714217 Share on other sites More sharing options...
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