Trying to redeem some NAB Goodies offers (such as the recent $20 back from a $100 supermarkets card https://www.ozbargain.com.au/node/918816 ) because food is expensive af and every bit helps when you're living with a disability.
Turns out the t&c's for NAB Goodies expressly exclude those who receive centrelink support, such as the elderly or disabled. https://www.nab.com.au/personal/goodies/terms-conditions
What the?? How is that even legal?
Yeah I've just gotten major ick from this. I am looking at changing banks for my every day account, after many years with NAB as my primary.
I could and probably will change my bank details with centrelink, but it's still a sh*t decision on NABs part.
I'd be dropping that bank if I were with them. Fk em. They already make enough profits from your money sitting there. They are scum.
I'd assume it's something to do with the inducement to purchase things when going through financial hardship. Preventing a future lawsuit where someone sues NAB saying they thought they were saving tonnes of money but they were spending money they didn't have just to get the rewards.
That's such a leap. Almost all businesses do specials and deals. Most retailers literally use psychological manipulation to get people to think they're saving money when they're actually just spending more.
I would say that a bank doing something to protect their butts legally is significantly less of a leap than them wanting to single out poor people and not offer them deals for… reasons.
Most retailers literally use psychological manipulation to get people to think they're saving money when they're actually just spending more.
I'd be annoyed if I was in OPs situation but I can also somewhat understand why NAB has such conditions on Goodies, which is clearly a program to induce unnecessary spending. Banks are subject to additional regulations that other businesses aren't, and it seems likely that NAB gets a financial return from the Goodies partners. That seems like the perfect recipe for a lawsuit if Goodies recipients could prove they were put into further financial hardship by using the program whilst NAB knew about their straitened financial situation.
Almost all businesses do specials and deals
Most other business' don't get fined for not responding to customers over hardship.
Also, they let me buy a lotto ticket online with this account, but I'm not allowed to save $20 on my groceries?
Are they inducing you to buy a lotto ticket? No.
And it's not specific to the groceries reward, it covers everything as a blanket policy.
I do want to add that I agree with you, it is excessive on NAB's behalf. The number of people on centrelink payments is something like a quarter of all people 16 and over, it's not even a remotely reasonable limitation.
You could always flick it to the media and see what they say. Most like NAB would be more concerned about the poor publicity than any kind of legal risk. I noticed Commbank Yello has nothing like the kind of terms NAB has either.
Well there's your problem. You are wasting money on gambling
are NAB Goodies only available on accounts with monthly fees? accounts free for those on government support payments?
Only semi-reasonable excuse I could think until I read the terms.
ineligible if it
reasonably appears to us that you may be in financial difficulty
Bizarre. It's like they're treating people like kids, overspending just because of flashy deals. You can't ruin it for everyone just because a few can't manage their money.
Try to get a credit card once you retire. They don’t care how much money or shares you have, because you don’t have a job with a regular “income” they aren’t interested.
Why do you need a credit card if you have heaps of money in retirement?
Golden rule is always apply before retirement.
Credit cards are a payment method. You can get points for Velocity and Qantas FF. You can get free insurance with the right ones. It is easier to dispute transactions with a credit card.
We did get ours before retirement but it is discriminatory that they won’t provide them to retired people who have sufficient funds to manage the card payments. My Superannuation payments are a lot more secure than someone’s salary.
often a Requirement for hiring a car
Is that still true? I've not needed one in many years. You just need a few K in the account that they put a hold on.
@Gdsamp: Not everyone can get a credit card. Some of us do not meet the criteria, for one reason or another.
@AUBRX: My point exactly. Frankly the aged discrimination mob should take this up with the credit card providers. There is absolutely no logical reason why someone being retired should stop them getting a credit card. Especially if they are getting a steady income like Superannuation and they own their own homes.
@try2bhelpful: Credit cards are not universally accessible to everyone. It's wild to me that it is a prerequisite for some services ie. To hire a car.
Great advice for those who plan on sticking around that long!
I don't think I'd be eligible anyways though, I had a utility company send debt collectors on me when they suddently refused to direct debit my bills as the plan I was on required.
Utility company only sent debt collectors because you owed them money. They did not send debt collectors because they didn't offer direct debit. Presumably they provided you with some other way to pay what you owed.
LOL
If you're already on the radar with debt collectors, who in their right mind would provide you with another line of credit?
The utility company had direct debit as a condition of my energy plan. They took a few payments then suddenly stopped taking the payments, even though I didn't change anything and there was more than enough money there to pay the bill. The debt collector knew exactly what was happening as soon as I started explaining, apparently I wasn't the only one they'd done it to. It was literally a three minute phone call and the debt collector told the energy retailer to sort their sht out.
I'm not in any debt other than a tiny bit of remaining hecs, which is pretty normal. I've worked my butt off to have a bit of savings behind me, and I'm NOT asking for any credit.
I just dont think its fair to exclude Centrelink recipients from discount promotions. They're probably the people who need the cash back the most.
@SuspendedSale: So, there should be no record on your credit file then.
If you ever have the opportunity to not require support from Centrelink then presuming none of the other clauses deny you inclusion, you get to reengage with the program then.
Until such time, it seems that you will need to source alternative discount promotions because this particular one isn't available to you at this time.
There were a bunch of other conditions in that link too, so you're not the only demographic not included. It seems that I too would not be included as I have no accounts with NAB.
So just become undisabled? FFS
Yes. It mostly worked for Tony Abbott.
We are a bit short of a Jesus being able to heal the severely disabled. Finding jobs for OAPs might also be a challenge.
There are lots of reasons people end up on benefits. When I finished my first Uni course I came out during a recession and jobs were thin on the ground; I was briefly on benefits whilst I searched for a job. In the end I took one that only required 6th form but having the degree helped.
I hope you never find yourself where you need the benefits. We are all just a severe car accident or a mental health breakdown away from needing assistance. Me, I try compassion.
or a mental health breakdown
Can confirm, been a long term recipient because of my cooked brain.
My best wishes to you. I find mental health issues particularly scary because our brain runs the show. Not being able to trust your own engine room must be incredibly distressing, especially as the treatment options don’t seem to be providing cures.
@try2bhelpful: You get in the habit of asking "Does this make sense for the situation I'm in?" a lot. Just because you think or feel something doesn't mean it is true. Or even real.
Barring simple presentations, there is no cure for mental illness and there is unlikely to be one within the foreseeable future. The day we can refurbish my entire nervous system is the day when we've cured every possible illness anyone could ever have, plus aging and death. It would be biology as the Ship of Theseus.
The ultimate question, given that there are very clearly people who will always be burdened by mental illness, and a subset thereof so severely that they cannot viably function in society, what do we do? Right now there are people on the street because as a society we aren't prepared to say "We can't fix their illness". So what that we can't fix their illness? That has zero to do with the fact we can reduce their pragmatic difficulties and we don't. I'm not angry that I cannot be cured (I made peace with that a long time ago) but I am furious that every time I end up in a ward there are people there that are stuck in a revolving door because there's nowhere for them to go and nobody cares enough to change it. It's wrong.
If you have a magical wand that you can wave to make disabilites vanish, then I'd absolutely love to!
I'm currently working more than is realistic, so I regularly need time off because of burn out and the cascade of issues that causes. I'm trying as best as I can to keep the payments I do receive to a minimum though.
I reckon boycott NAB and support a bank that doesn't have these ridiculous terms
I'm currently working more than is realistic, so I regularly need time off because of burn out and the cascade of issues that causes.
If your current situation was caused by work issues, shouldn't you be receiving Worker's Comp instead of Centrelink?
Perhaps you are dipping into the wrong pot and you could be eligible for this program?
Presuming this isn't a disability pension as well because your condition must be stable for two years to be eligible for that.
However, if this is disability related, are you able to access NDIS? Perhaps there is relevant support available to you through that, especially whilst income is limited.
Trying to redeem some NAB Goodies offers (such as the recent $20 back from a $100 supermarkets card https://www.ozbargain.com.au/node/918816 )
This does say it is a targetted offer… So did you get the offer or just tried to use it because you saw it.
Turns out the t&c's for NAB Goodies expressly exclude those who receive centrelink support, such as the elderly or disabled
Are you sure this is why it didn't work for you?
Are you seeing any other Goodies offers in the app? I checked mine just now and got no offers showing, never had one.
I've probably worded that poorly. I can see the offer in my app, and have previously gotten cash back via nab goodies.
But my situation has changed recently and I've needed support payments, which have been paid into my nab account.
But that's kind of beside the point. It's honestly blowing my mind that nab are allowed to essentially ban anyone with a disability which restricts their capacity to work. Surely such discrimination isn't legal?
u25 Males pay more for car insurance….
some banks offer higher interest savings accounts to under 35 or 25s, is that ageist?
They aren't debanking you, which could be discriminatory if it were on the basis of your situation
Surely such discrimination isn't legal?
Not incentivising people without jobs to spend money on credit they don't have, isn't really the discrimination you think it is. It should be the normal.
On the flip side, I haven't got the offer, so is that discrimination?
But I agree, it doesn't look that good. If NAB knows these things, then just don't offer them in the first place.
I've probably worded that poorly. I can see the offer in my app, and have previously gotten cash back via nab goodies.
Did you meet the other requirements of the offer then?
Did you shop with a participating merchant?
Did you pay with an active (used to make a purchase in the last 30 days) NAB personal Visa debit card, credit card or NAB Now Pay Later digital card?
Did you wait 14 BUSINESS days for your cashback to be paid into your account?
It doesn't say the unemployed are ineligible, it says those receiving Centrelink are. The majority of Centrelink recipients are actually not doll bludgers.
I don't understand how geting cashback is credit? You buy the items you were gonna buy anyways, but the overall cost ends up being less. Like buying laundry detergent you don't actually need yet, just because it's on special now but might not be when you do need it.
If everywhere banned Centrelink recipients from shopping the sales I'd be screwed.
Honestly, I'd rather not be targeted just to be excluded again because of a disability. Life is hard enough without extra salt rubbed in. So I agree, they shouldn't have offered me it, but they also shouldn't be bias to Centrelink recipients. There's plenty of people on Centrelink who are financially responsible, and plenty of 'workers' who are wildly irresponsible.
Not offering inactive customers promos and blanket banning all who need finanical support, such those as disabilities or certain ages, is not quite the same thing though.
It just feels scummy.
@SuspendedSale: Maybe it's not credit, though is it perceived as credit as it is available via Mastercard? Idk.
I think you may be getting focused on the wrong thing. I just had a deep read of the T&C for Goodies.
They're not actually blocking you from this cashback offer, they are blocking you from every offer made available through the Goodies scheme.
I have NFI what else this scheme offers, but for whatever reason, this entire scheme/program is not available to those receiving Centrelink payments.
Ergo, they are not blocking you because you are disabled and they're not just blocking you from this offer, nobody who receives a Centrelink payment is eligible to participate in the whole Goodies program.
Maybe this particular offer may have been of benefit to you, but maybe others are not able to be offered to those on Centrelink so they just exclude those receiving Centrelink from any access to the program to streamline the program.
You weren't targeted and then excluded because of a disability.
@Muppet Detector: That would be pretty weird. It's near impossible to buy anything online without going via something similar to Mastercard. Nobody uses bank deposits these days! Haha
I'm very aware they've excluded me from the entire discount program, which is why it's so ridiculous.
I was targeted with $15 (I think) back from $80 at ampol (a tank of fuel), $10 back from $50 at terry white (chemists are essentials!), $5 back from $5 at coffee club, $15 back from $100 at swaggle, there was also something from the cheesecake shop, clothes stores, homewares shops… People on Centrelink shouldn't drive cars, need meds and health care, drink coffee, own pets or celebrate birthdays??
Even the liquor store offers shouldn't be banned, we're still adults.
So why am I and others receiving Centrelink because of a non optional characteristic, excluded from these offers then? It's not like I don't work or have an income, but even if someone was between jobs, that doesn't mean they should be excluded.
I'm very aware they've excluded me from the entire discount program, which is why it's so ridiculous.
No, you're banging on about it being because of a disability.
This rhetoric gets old damn quickly. This is not about a disability as clearly people who have disabilities but don't receive Centrelink are eligible for this program.
Idk why they've made this decision, I assume there are some sort of legal quarantine type issues, but maybe they just have a bee in their bonnet about Centrelink.
It may even be discrimination, but this kind of discrimination is not illegal.
For whatever reason, they don't want to, or more likely, they can't, make this program available to people who receive Centrelink payments.
Stop playing the victim and taking this so personally. They are not targeting you, they are targeting all Centrelink recipients.
Maybe you do work, but then, maybe others don't.
that doesn't mean they should be excluded.
Perhaps they're not excluded. From what I can make out, they were never included.
Regardless, apparently NAB believes that they should.
I noticed an online chat function when I clicked on your link, what did they say when you asked them?
And you said you've used this program before, so it's not like you are only finding out about this exclusion now. It doesn't seem like this clause is a new or recent addition. It was there when you joined the program.
This rhetoric gets old damn quickly
Certainly is, when they won't answer if they have met the other requirements for the offer, one being waited 14 business days for the cash back. Considering the offer was only posted 6 business days ago, its a little early to claim NAB is evil.
Idk why they've made this decision, I assume there are some sort of legal quarantine type issues
The fact that NAB publically states this, would mean some legal issue, its bad optics. Plus it is a targetted offer, so they could just exclude groups in the back end without anyone knowing if they really wanted to.
The other thing, is Family Tax Benefit is classed as a Centrelink payment, so most families would be excluded from this offer. Just just 'disabled' people like the OP claims.
@JimmyF: Student payments such as Austudy and ABSTUDY also probably included.
Whoa, now they're discriminating against ATSI as well!
Family Tax Benefit is classed as a Centrelink payment
But what about the children?
@Muppet Detector: I'm literally not though? Disability is the category I relate to, I did mention more in the OP, where I tried to make the point that it's a far reaching exclusion of those who would probably benefit most.
This never was personal, but my own situation is the easiest to relate to and speak about. Again, this was always about how many marginalised people were excluded by such a stupid rule. None of the other banks rewards programs exclude based on support payments, why does Nab?
Rhetoric is getting old… this isn't about me. But since you're still banging on about me, I've previously stated that my situation changed recently which caused the payments. I wasn't receiving Centrelink support when I'd previously used the program.
Genuine question, is it really that hard to conceive that someone might care about others, especially those who are frequently discriminated against?
Genuine question, is it really that hard to conceive that someone might care about others, especially those who are frequently discriminated against?
Cry me a river. This isn't what you are doing though. You've latched onto the emotional clickbait to generate some unfounded sympathy because somebody has said "no" to you.
You weren't worried about anybody else when you could access this program, it seems the outrage meter only gets alerted when you are the one who is affected.
You know what you did and now you're just back pedaling because I called you on it.
You know what you did and now you're just back pedaling because I called you on it.
Appears they might not even own a NAB credit card, so nothing to do with centerline payments…. They fail this requirement which is listed in the T&C.
@Muppet Detector: Just because you would become highly emotional and throw a tantrum doesn't mean I have to.
They haven't said no to me yet. As previously mentioned, the cashback isn't instant, my latest cashback is currently pending. But again, thats not relevant because this isn't actually about me.
You're really incapable of conceiving that someone else gives a crap about those less fortunate, aren't you?
Zero back pedaling here. Take off your confirmation bias filter, I am not you.
Just because you would become highly emotional and throw a tantrum doesn't mean I have to.
And yet you have.
But again, thats not relevant because this isn't actually about me.
However, you chose to make it about you.
You're really incapable of conceiving that someone else gives a crap about those less fortunate, aren't you?
No, but this isn't why you created this thread.
Where was your outrage when this clause didn't affect you? Where was your care about others then? Why are you only expressing your outrage now that you may be affected?
Zero back pedaling here. Take off your confirmation bias filter, I am not you.
Dude, I'm not the boy who cried wolf. Keep that in mind.
I don't understand how geting cashback is credit?
I said, incentivising people without jobs to spend money on credit. So yes, you have to spend $100 on your CREDIT CARD, to get this cash back.
Honestly, I'd rather not be targeted.
But you had been targetted. So I'll ask again, did you meet the other requirements of the offer?
The most important one is, have you waited 14 business days (aka nearly 3 weeks)? I doubt you have, as the offer was only posted 6 business days ago. So you could be having a storm in a tea cup.
But I have a NAB credit card, and didn't get offered this deal. I'm going to lodge a claim as that is discrimination!
@JimmyF: I don't have a credit card, they're not required for nab goodies. I'm spending the money I already worked for, apparently unlike you, but this was never about just me.
Again, it's not all about me. Whether I meet all the other criteria is beside the point, I genuinely don't understand why you're so fixated on it? I also don't understand what difference it would make when I and everyone else receiving Centrelink payments are excluded regardless.
Do you meet all the other criteria?
I don't have a credit card, they're not required for nab goodies. I'm spending the money I already worked for, apparently unlike you, but this was never about just me.
And here is the answer to your entire post. You haven't read the T&Cs. If you don't have a NAB credit card, then you didn't get the Cashback. Nothing to be with being on center link payments.
From the T&C you linked to
“Eligible NAB Card” means a NAB personal Visa debit card, NAB personal credit card or a digital card for a NAB Now Pay Later account. Each of the following cards is not an “Eligible NAB Card”: NAB Flexi Card
So do you have one of these cards or not? If not, no cash back.
Whether I meet all the other criteria is beside the point,
Because you are claiming you didn't get something based on one thing, but the real truth is, you didn't get it because you didn't meet the requirements of having a NAB credit card.
I also don't understand what difference it would make when I and everyone else receiving Centrelink payments are excluded regardless.
You are blinded by this requirement, which is most likely some legal arse covering statement that isn't enforced, and failed to look at the other parts of the terms, like you know, using a NAB credit card.
@JimmyF: Uh… an eligible nab VISA DEBIT CARD. You literally just pointed it out yourself, but are still trying to push the credit card thing?
I'm not continuing this, if you're unwilling to comprehend your own words then nothing anyone else says will make a difference.
an eligible nab VISA DEBIT CARD. You literally just pointed it out yourself, but are still trying to push the credit card thing?
OMG finally answered a question….. Well you are the one that said you didn't have a credit card.
I'm not continuing this, if you're unwilling to comprehend your own words then nothing anyone else says will make a difference.
comprehend what? You said no credit card, a VISA DEBIT CARD is a type of drum roll credit card….
So the next question, did you have the required business days for the cash back?
then nothing anyone else says will make a difference.
Now who is lacking compassion?
I'm spending the money I already worked for, apparently unlike you,
hahaha Yep I bet you worked hard for your centerline 'pay day'?
@JimmyF: You do realise its possible to work AND receive top ups? I haven't had a three figure centrelink payment in a couple of months. Most of my work days are 12 hour days in a very demanding role.
Is it really that difficult to be a little bit compassionate to those who got a dealt a a crap hand, and are just trying to survive?
Most of my work days are 12 hour days in a very demanding role.
LOL You're not the only person in the world who goes to work and works long days.
Is it really that difficult to be a little bit compassionate to those who got a dealt a a crap hand, and are just trying to survive?
Yeah mate, is it difficult to be a little bit compassionate? Because I don't see that at all in your posts.
Anyhow, now for the 5th time, try to answer the question…. Do you have a “Eligible NAB Card” meaning a NAB personal Visa debit card, NAB personal credit card or a digital card for a NAB Now Pay Later account?
I'm spending the money I already worked for, apparently unlike you, but this was never about just me.
Which Centrelink payments require you to work in order to receive them?
I know that "work for the dole" was a thing a long time ago but I thought that got scrapped because some human right thing said it was forced slave labour or something.
They're not banning you because you have a disability, they're banning you because you either don't have the income they think you need to service the line of credit or some sort of financial responsibility.
or some sort of financial responsibility
I'm guessing this…..
At the end of the day, NAB has already issued them a credit card, so think they are good for the credit limit given. So guessing some nanny gov law.
The NAB Goodies (and similar cashbacks, $X off $Y spend etc) isn't made for the purpose of being a charity, it's designed to encourage spending.
Food DOES NOT get any cheaper when you are disabled and do NOT receive centrelink.
So missus works, they tell me that Albo classes me as an IDIOT because marriage goes against his woke dream.
Sorry also not getting goodies!
Does "support payments" include students, and parents getting FTB?
It said Centrelink payments.
We pay for a westpac mortgage package that includes a premium credit card but can't get it because of my income. But we need a premium card more than others as we don't have money saved for emergencies, need travel insurance regularly, and need it to rent cars occasionally, get my frequent flyer points… so i pay $$$ to another bank for a premium credit card!! My credit rating is very high and never defaulted. My experience is that the less you have the more disadvantaged you become in Australia. Oh and if my partner earns a little half is taken off my payments!!
My experience is that the less you have the more disadvantaged you become in Australia.
When it comes to line of credit, yes…. Generally the less you have and as you have correctly identified yourself, you have no money saved up, the more risk you are at not paying it back.
Oh and if my partner earns a little half is taken off my payments!!
So you think you should get gov handouts and be able to keep the money your partner earns? Doesn't work like that. Pick one.
Don't give money to people that hate you. And always remember who hated you when they change their mind later on when they think they can get something from you.
I don't know about legality but thats a very ew T&C to have IMO (am I missing something here?). Feels like they are trying to say "don't use our offers if your a poor" energy.