endolphin » user profile

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Member Since 09/01/2018
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I seem to encounter the subway newbie quite often, and THAT is painful. What bread would you like sir? *extremely confused look* What...
21/07/2021 - 14:06
I had this card open for about 3 weeks total and I got a full refund of the annual fee.
21/07/2021 - 13:57
for me - higher now than before I started churning hardcore.
16/07/2021 - 16:05
Yep my points just landed too. This may be my personal best - applied, approved, spent minimum, points landed and card closed, within 3...
15/07/2021 - 23:43
Yep, churning really is not a whole lot of effort. The other day I finally pulled together a spreadsheet tracking my Qantas points balance....
15/07/2021 - 23:21
My advice is that you are being impatient. I agree with your logic to not go for the black card first up. Go for the platinums first ($6k),...
09/07/2021 - 08:15
For me, 30+ credit cards in 3 years had no negative impact on a recent mortgage refinance.
09/07/2021 - 08:11
I don't understand the correlation? Because you have saved money this year, you'll feel better about throwing a chunk of it down the toilet...
07/07/2021 - 00:43
I have never been denied by ANZ across 2 x FF Black, 2 x FF Platinum, 1 x Rewards Black and 2 x Rewards Travel Adventures.
03/07/2021 - 11:38
Suncorp Clear Options Platinum Card 100,000 Bonus Reward Pts, Half Price First Year Fee ($64), Spend $3000 in 90 Days
Given the hype around the (also Citi backed) PayPal credit card, thought it was a shame that this card was not posted given that the net...
03/07/2021 - 11:32
It actually makes it MORE anti-competitive that everyone does it. It is called collusion. The ACCC is peak as pss to not crack down on the...
03/07/2021 - 11:09
This logic really bugs me. Just because the points essentially cost zero, doesn't mean you should just throw them away. It is called...
03/07/2021 - 11:05
well, a couple of years ago I think I was holding 6 cards at one time, but the banks are stricter with total credit limits nowadays, so I...
01/07/2021 - 23:51
I will tell you a story. I recently refinanced my mortgage and switched banks. Ahead of this, I paused my credit card churning for a couple...
01/07/2021 - 22:32
Yep applied and got approved within 3 hours. No phone call, nothing. Really weird because I applied for the same card last year and it was...
30/06/2021 - 20:32
The deal link still works, and the weird thing is that the T&C's mention that you need to need to apply by the "offer end date" but...
30/06/2021 - 11:50
> I take it you mean Westpac does not enforce using the 'annual fee rebates' purely for annual fee and they simply credited your account...
29/06/2021 - 16:52
did you read my entire post? Last year I had a similar Westpac offer, zero annual fee but 150k westpac altitude points, and I converted to...
29/06/2021 - 12:28
Interesting. Curious on the dynamic at family gatherings then. Does your brother get any grief about not having or wanting to have kids? I...
29/06/2021 - 11:23
With Westpac you can convert these points into "annual fee rebates" at the rate of 0.5c per point and therefore this is worth $650 cashola....
29/06/2021 - 06:49
I have 10+ at any one time, but typically use just one (whatever credit card I'm using this month to meet minimum spend for bonuses).
27/06/2021 - 23:11
For those who have access, does this portal have Coles egift cards and if they do, what discount % and what denominations?
27/06/2021 - 13:11
QLD here, working for a large Australian company, and I've been WFH full time Mar 2020 to Nov 2020 and then going to the office one day per...
25/06/2021 - 09:56
last week there was a cashrewards promo with an extra $5 cashback on any gift card purchase of $30 or more. Plus the standard cashback on...
22/06/2021 - 13:30
PSA: Newmarket (QLD) store restocked this morning and have two full hooks of 250s and 100s. Ive already spent $3k so I just grabbed a...
22/06/2021 - 12:29
already did that, and more. Not everyone has lots of spare cash to spend though, so I was just showing an example that limited outlay to be...
18/06/2021 - 09:31
For not a *whole lot* of effort, this netted me 17.5% off groceries this month. Maths: Outlay was $250 purchashing Coles egift card from...
18/06/2021 - 09:17
Yep, I once passed out in the first class train carriage in Germany after leaving straight from Oktoberfest and some kind lady woke me to...
17/06/2021 - 22:18