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Thread ID: 120718	2011-09-22 08:35:00	Banks, morgages and accounts	beetle (243)	PC World Chat

Post ID	Timestamp	Content	User
1233045	2011-09-25 01:22:00	I went to the home and lifestyle show yesterday (at the local stadium, a 100 stands to look at they said) ......... out of nosiness............ and what do ya know TSB was there, they were local ladies from our local bank...... lol i never noticed we had them here, and they gave me paper work, handouts to read, and i talked to the loans officer at the show and she gave me her card...... and said call me im sure we can do better........ So might just check them out this week........ nice people, treated me nice, and were helpful and chatty. never had much of that at kiwibank. Doesnt mean i will move, but looking at options wont hurt. beetle	beetle (243)
1233046	2011-09-25 01:38:00	You could do a lot worse than TSB Beets. They have worked well to get a good rep for themselves in personal banking circles.	allblack (6574)
1233047	2011-09-25 05:44:00	Kiwibank just gave me a $7500 limit credit card. Combine that with my $7000 westpac credit card and my $5000 GE credit card and IM RICH. Good luck with the GE card, their interest rates and policies are rapacious. A couple of years back I took up a 12 month interest-free GE Credit line for $10,000 offered by the Dentist (only needed $8,000 but they go in multiples!) to pay for major dental work to repair historic motor vehicle accident effects. I divided the amount owing by 12 and paid off one 12th each month by direct credit, but near the end I thought I might have missed the due date by one day and that caused me to check the terms and conditions. I couldn't believe how much they charged, and the more I read the worse it got. As I read it, despite having already paid 11/12ths of the sum owing on time, I'd be charged interest on the entire amount borrowed. ASB Visa are generous by comparison. It's the fine print that will get you every time. Cheers Billy 8-{)	Billy T (70)
1233048	2011-09-25 05:59:00	This is where i say oooops....... i meant ASB, sigh. I had thought about going to see TSB as well.	beetle (243)
1233049	2011-09-25 06:17:00	Wouldn't recommend the national bank. I would suggest TSB, but their online banking isn't the best, and they charge you for doing some online payments, yet if you do it over the phone or via fax which takes more time for them, they don't charge you. A bit backwards	robbyp (2751)
1233050	2011-09-26 05:16:00	I was with westpac for years but when it came to mortgage time about in 2002 the best interest rates were with kiwibank and ASB. Neither of the two of us could get off work easily so we arranged for both of the mobile mortgage managers to turn up at the same time in a cubical at work. We sat there are they both tried to out do each other for our business. Kiwibank won and we have been with them ever since. Last weekend we saw a house we liked, rang up kiwibank who sent a manager round to our house ?7pm. Did the sums there, gave us the approval then and sent the paperwork/ approval certificate two days later. I dont think I have actually gone to a branch for years. Everything is done online.	afe66 (13778)
1233051	2011-09-26 05:22:00	Good luck with the GE card, their interest rates and policies are rapacious. A couple of years back I took up a 12 month interest-free GE Credit line for $10,000 offered by the Dentist (only needed $8,000 but they go in multiples!) to pay for major dental work to repair historic motor vehicle accident effects. ACC?	plod (107)
1233052	2011-09-26 06:45:00	Good luck with the GE card, It's the fine print that will get you every time. Cheers Billy 8-{) They are scum. I fully expect them to ream me. Already had a number of incredibly stupid conversations with them. I paid off half the sum on the first payment, then missed the second by a few days, they rang me 6 or 7 times about it, I told them my time was worth more then there $15 penalty fee, I wasn't worried in the slightest and they would get there money when I found time to go to the bank and not any sooner. When they insisted my payment history would affect further credit I told them there is no way in hell I would use them again after they fined me after paying half the sum and having them waste so much of my time. They went on to state they would freeze the credit card they sent me, I told them I never activated it, I had destroyed it upon opening the package and there is no way in hell I would use their card and that their conditions were criminal. That must be a mistake she said, she would send me activate my credit and send out another one immediately.....	Metla (12)
1233053	2011-09-26 17:59:00	They are scum. I fully expect them to ream me. .. I had dealings with them twice. Once when I got the dentist quote. They wouldn't lend the amount needed, it was rounded up to an amount. No thanks. Second when I went to buy a vacuum cleaner. Paid cash in the end. Loathed the whole idea, don't want a card, don't want extra money, not made to make paying it off easy, designed to encourage permanent debt. Stuff their cards.	pctek (84)
1233054	2011-09-27 03:01:00	Good luck . . . I took up a 12 month interest-free GE Credit line for $10,000 offered . . . It's the fine print that will get you every time . Cheers Billy 8-{) When they say interest free, THEY mean interest, free of rust, not the "free" you were thinking of . It takes a WYSIWYG word processor capable of displaying negative exponential fonts . This is an environment-protecting policy, as printing all the trickier conditions in 2 point Arial would result in a document that could shade the earth . As it is, it merely costs the earth .	R2x1 (4628)
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