YesPleaseThankYou » user profile

Member Since 14/01/2009
Last Seen 20/04/2021
Location NSW

Recent Activities

Write to your fund and get it in writing. There's nothing to be scared of.
15/04/2021 - 16:05
CUA Health is a better offer because you are required to hold the policy for a lesser period (60 days), compared with the unfavourable 4...
15/04/2021 - 15:53
Check with your fund, but I am sure that you will find that so long as you were insured at the relevant time (and otherwise eligible to...
15/04/2021 - 15:52
In related news:
30/03/2021 - 10:55
I would have been surprised if the answer was anything else. In my view, the terms (as presented to us in the offer email) made it clear....
25/03/2021 - 17:13
Given that the OP appears to be a solicitor, is this for the purchase of a property by the OP's client?
22/03/2021 - 12:58
No, because you repay it then earn more points.
16/03/2021 - 21:41
Which terms, specifically?
16/03/2021 - 21:38
The rules are there for all to see. Citi knows what it is doing. Many of us have benefitted from crazy Citi promotions - just search back...
16/03/2021 - 19:48
Well, it gets even better. You could simply pay off the PayAll within a few days, then rinse and repeat.
16/03/2021 - 19:48
Yes, it could indeed. PayAll payments earn points, if your card has them. Unfortunately, my Simplicity card doesn't accrue points.
16/03/2021 - 19:47
Read the FPO terms.
16/03/2021 - 19:46
Or forever, see my post above
16/03/2021 - 19:45
Yep, could setup a recurring payment. Even payments after the promo period would be at 0% as they were setup within the promo period.
16/03/2021 - 19:44
No, this is completely acceptable. Portability between the PHI providers is part of government policy, designed to encourage competition.
16/03/2021 - 19:42
Understood. My view is that the high cost of PHI makes it worth it. Also, changing funds is super easy and the old fund refunds any unused...
16/03/2021 - 16:00
You are best off changing every few months, via the 6 weeks free offers. That gets you the greatest discount (up to 60%). Quibbling over a...
16/03/2021 - 15:42
> Premiums go up because you may develop a chronic condition that makes you more likely to use your insurance. If you don’t tell your PHI...
15/03/2021 - 15:43
They are just Mastercards. Are Mastercards accepted at Australia Post? Yes. Does Victorian car rego accept credit card payments at...
12/03/2021 - 15:30
The government designed the Gold, Silver, Bronze system to make it easy to change providers. I would suggest that you review the PHIS...
12/03/2021 - 10:18
There's nothing about it being an emergency in the OP.
11/03/2021 - 17:56
Scored over $200 worth of 'free' toiletries. This offered stacked with a 10x point offer. I was very apologetic to the staff and only...
09/03/2021 - 16:13
Well, today I made many (not revealing how many) split transactions to take advantage of the 2% cash back. No transaction was blocked and...
17/02/2021 - 21:41
Refunds are covered in the terms and conditions of the card.
14/02/2021 - 10:45
Each financial institution has its own fraud rules. I don't believe that repeated transactions authorised with biometrics (eg Apple Face...
14/02/2021 - 10:45
Ah, well, it makes financial sense to get the $100 card as that costs $94.50 (under the below $100 2% cashback eligibility threshold).
14/02/2021 - 10:43
Why would HSBC freeze your card? Suspected fraud or abuse of cash back? Has this happened before?
13/02/2021 - 18:28
Great feedback. It seems very important to use these cards immediately after activation. I'll be doing exactly this.
09/02/2021 - 13:24
Ahh, cheers! I might just stick with the 4% discount in this instance. (It's not worth the bother for the extra 1%.) Thank you for the...
09/02/2021 - 12:36