JohnGlav » user profile

Thank you for your kind remarks. There's a hidden lesson in this "apparently" futile exercise. I'm demonstrating to cardholders the bulldog…

Sure, please send me a PM and I will update you.

Sure, please send me a PM and I will update you.

Please check your PM.

Thanks for the question. Please check your PM.

I sincerely wish you well Grasstown. You and other "no annual fee EVER" or "free free for life" cardholders deserve a fair result. For…

Deleted many of my comments earlier today. The comments are no longer relevant. I have received a lengthy written reply from NAB in…

Deleted many of my comments earlier today. The comments are no longer relevant. I have received a lengthy written reply from NAB in…

Hi Junet, I apologize for the time taken to reply. The fact sheet you provided is helpful. For example it refers to the applicable…

Yes, you are almost certainly correct.

Have engaged with Citibank/NAB since October 2025. In writing and in detail. For whatever reason they have been reticent and rather slow to…

Received a written reply from Citibank today: Dear [John] Blah Blah Blah "We confirm that the account has $0 annual fee and when your…

Keep going my friend. You are over the target. The flak gunners have stopped "playing the issues" and are now "playing the man" - i.e.…

It is too exhausting my friend. I have to find other methods. Have you considered sharing the two 'old Citibank fliers' here for the…

Some may consider that my views have their basis in paranoia. There is a chance they are correct. It is not a zero percent chance. If they…

I agree. I am sure those at the call centre mean well and try to help sincerely within the scope of their authority. However there is the…

My draft letter to Citibank/NAB has been ready for several days. However it keeps getting changed as more information becomes available.…

Class actions may not be necessary. There are several ways to skin a cat.

Looks like the NAB moles are out in force to stifle dissenting voices. Over the Target! Neg away, your anxiety is showing.

Appreciate your comments and you make a good point, thank you! On balance I prefer to share SOME details publicly. So cardholders who care…

All of the above can hurt @junet who stated: "I have the old paperwork on the fee free for life. It just says Annual Fee: $0 while you hold…

Thank you for the very helpful information and summary. The Variation Notice "will be effective from the Transition Date on 24 November…

Hi bigmudcake, You have written a lot of sense imho. Here is my take and guesses:…

Hey Eeples, Thoughts evolve as more facts emerge. Here are my current views of NAB's playbook:…

Hi Junet, Here's my guess re NAB's playbook and what they will do:…

Hi burningrage, Here's my guess in regards to NAB's playbook:…

Hi burningrage, Paragraph 11 to the proposed Credit Card Terms and Conditions reads: 'We may change the terms and conditions applicable to…

Hi Eeples, Even if NAB ever states that it isn't changing annual fees (a proposition has not been established to my satisfaction yet) that…

Started a new thread my friend.…

Read the comment by Wyler in particular. Read my comments also if you want to understand NAB's strategy.…