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Yes, you!

Please try and let us know for future reference.

> almost makes me feel guilty WTH? When you churn, you are doing what the promoter wants you to do. Be a good consumer and churn.

ING's heyday is over. It will never get all those customers back that left ING due to its many hoops. Here lie ING's customers, strangled…

The OP's post is not very informative. AHM is owned by Medibank. > ahm health insurance is a business of Medibank Private Limited ABN 47…

It's never too late to buy. Congratulations on your purchase.

> Ahm could be a good choice compare to others because their claim limit resit on FYE This doesn't matter to someone signing up to health…

OP: > It appears like you can transfer from Medibank from the T&C's, do your own due diligence. If ex-Medibank customers aren't excluded by…

> Available for new members on new memberships who have not held ahm hospital and/or extras cover in the last 30 days from their cover…

> Got a reply from NAB about requesting to wave the fees until I return from overseas. Sorry to hear that NAB won't waive the fees for you.…

Read the terms.

NAB also offers the same cashback system. The Citi app, as you might be aware, advises that cashback offers will no longer be available via…

Citi branding is used only until transferred to NAB systems. They will be transferred by the end of 2025, at least according to NAB market…

You mean Mastercard. What evidence do you have to support your assertion? * Mastercard-branded cards typically convert from foreign…

Neither Wise nor Revolut are part of the [Financial Claims Scheme](https://www.apra.gov.au/financial-claims-scheme-0). I would never use…

Wow, you only have over 2 months. How will you possibly cope?

It means that this promotion is not for you.

Escalate it with the new fund via the standard complaint process, then take it to the PHIO if not resolved within a week. Alternatively,…

They confirmed to me that having held a See-u by HBF policy does not preclude you from this promotion. You should get this confirmation for…

> credits applied after 6 months of active service This period is excessive considering the meagre credit offer.

Yep, you're correct. I didn't realise that Finder has its own ADR arrangements.

Looking forward to your 'update'.

> You are better off churning as it saves much more Yes, this is what I mean by "churning" and is what I do, eg: * Join Fund A for 'pay 1…

The promotions typically (but not always) require hospital and extras to be held.

You can call daily if you like but 12% per annum is the maximum discount that can be offered by law. See clause 6 in [Private Health…

Let us know after you get bundled up in a van for accessing something the motherland doesn't like.

But who cares? The churn discount is significantly greater. Sound like you have a bee in your bonnet about HBF.

> Asked for a complaint number and will pack it if to AFCA. [Private Health Insurance Ombudsman…

> So simply asked for it to be lodged as a complaint for formal AFCA proceedings You mean the [Private Health Insurance Ombudsman…

> complimentary credit card insurance is perfectly fine as long as you know exactly what it does and doesn't cover Of course, and I have…