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Thread ID: 81560	2007-07-31 09:57:00	credit cards	globe (11482)	PC World Chat

Post ID	Timestamp	Content	User
574581	2007-07-31 19:00:00	I've had an ANZ Visa (Gold) for about 6-7 years - they've just upgraded me to Platinum. Same here. In combination with Qantas Airpoints this works for us. We probably rack up about $3-4000 a month on visa as $1 per point and bonus at likes of BP and other partners. We put almost everything on visa apart from likes of a trip to the Dairy for the odd bit of milk or bread etc. Since the Inlaws and Family are in the UK we get a few airpoints paid flights to there.	Bantu (52)
574582	2007-07-31 21:22:00	I only use mine for those places where you can't do Direct Credit. I pay the money onto it first. I don't have reward points cause its a joke really and I don't like to have my info added to someones marketing database. Couldn't care less about Interest charges as I don't have it in debt.	pctek (84)
574583	2007-07-31 21:46:00	I get NO marketing junk from ANZ Telstra Visa or Qantas Airpoints. In one year I can accumulate a free trip to Aussie no problem just in points for doing nothing. I don't call that a joke. On the other hand I also use Flybuys and get a heap of junk mail from them and their partners. And no junk mail from AirNZ Airpoints which we are also members, wife gets points on AirNZ with her work CC.	Bantu (52)
574584	2007-08-01 00:56:00	junk mail Not what I meant. I mean the database where they keep info on you and your buying habits.	pctek (84)
574585	2007-08-01 01:49:00	Since I am still in contact with some of the fuel dealers from days past, I heard them all tell me the current scam for credit cards is the "cash-rewards" or "end-of-year" refunds that cardholders get for buying fuel at "XYZ" brand . . usually associated with their OWN credit cards . It feels good getting hard cash in return for purchases and I can see that's a big incentive to get one of them . The reality is that the fuel stations . . . NOT THE WHOLESALERS have to cough up the refunds to the card holders . What this means is that YOU are paying for your own refunds . . . minus any deposit earnings and certainly, when they are refunded they show as EARNINGS against adjusted gross taxable income . You get a double hit . . . you lose the money for months with no interest gathered, and you get taxed on the refunds as income . Why don't you just run down the street and toss the projected refunds out the car window . You might be able to declare it "lost wages" then that way . I pay for gas via greenbacks or use my credit card as an atm card without the 3% levy against it .	SurferJoe46 (51)
574586	2007-08-01 04:05:00	There is a problem with the Airpoints rewards - namely getting to use them. I have a modest 117,000 + QANTAS FF Points - but they make it bloody hard to use them. Not so long ago I received an e-mail from The QANTAS FF programme congratulating me on my points and suggesting I could take a break in LA with them. What a bloody good idea says I, so I look for flights from Auckland to LA - no problem, I can get a seat within 6 weeks - then here was the rub - getting back - no chance for over 3 months for the outbound flight and that was via Melbourne. The problem is that QANTAS FF allocated seats on longhaul flights are very sparsely rationed out, and it takes considerable long term planning to get the destinations and routes that you want - and frankly one wonders if it is worth it. There is no such thing as a free meal, so maybe if it is your own credit card, and the expenditure is not reimbursed by the boss, one is better to go for the cheapest option. ie fees and interest rates.	KenESmith (6287)
574587	2007-08-01 04:05:00	your buying habits. It is Wife that has the buying habit:-) Well, me too if its computer related.	Bantu (52)
574588	2007-08-01 04:12:00	My wife has a serious addiction problems to credit cards ( mine) coupled with not being able to recognise a budget if it jumped up and hit her in the face.	KenESmith (6287)
574589	2007-08-01 04:16:00	There is a problem with the Airpoints rewards - namely getting to use them. I have a modest 117,000 + QANTAS FF Points - but they make it bloody hard to use them. Not so long ago I received an e-mail from The QANTAS FF programme congratulating me on my points and suggesting I could take a break in LA with them. What a bloody good idea says I, so I look for flights from Auckland to LA - no problem, I can get a seat within 6 weeks - then here was the rub - getting back - no chance for over 3 months for the outbound flight and that was via Melbourne. The problem is that QANTAS FF allocated seats on longhaul flights are very sparsely rationed out, and it takes considerable long term planning to get the destinations and routes that you want - and frankly one wonders if it is worth it. There is no such thing as a free meal, so maybe if it is your own credit card, and the expenditure is not reimbursed by the boss, one is better to go for the cheapest option. ie fees and interest rates. If you get stuck here for three months, look me up....I will take you on such a tour! Gads...three months and I can show you just about everything! Can you row a boat; paddle a canoe? Can you clean fish? Can you swim (just in case)? Can you walk or crawl through miles of rugged High Sierra mountains and brush? Do you like to fish? Are you afraid of snakes, spiders, bears, butterflies?	SurferJoe46 (51)
574590	2007-08-01 04:53:00	There is a problem with the Airpoints rewards - namely getting to use them. I have never had a problem getting Airpoint seats. We used a lot of ours up last year. Three of us went to the UK and back which 2 return fares were totally on airpoints, and to Australia 3 return fares all on airpoints.	Bantu (52)
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