53599 replies to this topic

[skillionaire]

[ams]

That's an evil rate, Shintz. Evil.

Mine is around 18% but I get 55 days interest free on all purchases. I don't put anything on there I can't pay off within that period = only every paid around $30-40 in interest in the 2 years i've had the card.

[B4TT]

Dude, don't knock my cow.

Nah bro, that was cheers! cow be epic winning.

Mine is around 18% but I get 55 days interest free on all purchases. I don't put anything on there I can't pay off within that period = only every paid around $30-40 in interest in the 2 years i've had the card.

I have NFI what mine is... its a Westpac card with a 2200 limit LOL..... I think it has about 2300 on it though over-drawn FTW haha

So Shintz.. I see NAB shares have copped it in the arse the worst this morning, not even an hour into trade and they have dropped $1.34 a share.. that's a big farking drop

[Shaz]

Yeah, all those cards come with 55 days interest free as hams said.

Realistically, if you have a look at other banks credit cards, it isn't really that high. Especially for a qantas gold card with frequent flyer points.

edit* My staff card is awesome. 5% interest ongoing, double frequent flyer points at all times and no annual fee, with 66 days interest free.

Win

[Morgan]

This is what I use.

No fees, interest free period, international use, etc.

[ams]

This is what I use.

No fees, interest free period, international use, etc.

What the feck is that? Which bank is that through?


Hey Shaznipples, what have you got as far as international/overseas cashcard type things? Something we can load up now - pre-paid Cash Passport stylez.

[B4TT]

Picture looks like two fags on a Vespa.

[skillionaire]

I pay cash.




































LIKE A B0$$.

Picture looks like two fags on a Vespa.

Hahahahahahahahaha.

[Adam]

Haha damn you nik! I was going to write that, your forum powers once again have beaten me!

[Morgan]

What the feck is that? Which bank is that through?

Pretty sure it's through Wizard

Hey Shaznipples, what have you got as far as international/overseas cashcard type things? Something we can load up now - pre-paid Cash Passport stylez.

Get that 28deg card. Costs you nothing. I got it before the honeymoon so we could use it in Thailand. Doesn't cost you anything...

Dad put me onto it after doing some research on it. He seems to apply for a zillion CC's for no reason

[Adam]

Morgan, what is it like as far as getting cash out goes? Is there a charge then?

[ams]

Costs you nothing

Doesn't cost you anything...

Yes, but how much does it cost you?

[B4TT]

blah blah blah Wizard Sleeve

[Shaz]

Hams - Check this out http://www.nab.com.a...l_finance/5/1/3

Good account for overseas because you dont get charged foreign currency conversion fees or overseas ATM fees.
Plus if you're going to a few places with different currencies, you dont need seperate cards.

[Adam]

Shaz, what can you offer in terms of free money? Large amounts preferably??

[Morgan]

Morgan, what is it like as far as getting cash out goes? Is there a charge then?

Never done that myself but afaik there's no fee's for anything.

[Shaz]

28 Degrees card Terms and Conditions:

Spoiler

Description
Charge

Cash Advance Fee
Nil. There are no fees for cash advances on your 28 Degrees MasterCard but you may be charged an ATM owner fee. You can avoid this fee by using Westpac ATM's.

Annual Fee
Nil

International Transaction Fee
Nil

Standard Annual Percentage Rate
The interest you pay on purchases and cash advances; 20.24% p.a.

Interest Free Days
The number of days no interest will be charged for the 28 Degrees MasterCard purchases you make; Up to 55 days

Australia Post Payments Charge
The cost incurred from making your payment at Australia Post; $1.50

Late Fee
This fee is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date; $25

Over-limit Charge
This is incurred when a transaction takes your balance over your credit limit; $5

Paper Statement Fee
This will be charged for each paper statement of account sent to you. This fee will not be charged if you consent to receiving your statements electronically; $0.50

In short, they charge to make repayments, charge you an exhorborant interest rate, charge you more then the interest accrued in late payment fees/overlimit fees, then get charged interest on interest if you don't pay it on time.

Not a bad card, but not the best.

edit** And its with GE, who are the most shittest financial provider in the world. They have SO many hidden fees and charges its not funny.

[ams]

This:

Hams - Check this out http://www.nab.com.a...l_finance/5/1/3

Is not this:

pre-paid Cash Passport stylez.

It's only going to be rubles US dollars and maple leaves Canadian dollars.

[B4TT]

edit** And its with GE, who are the most shittest financial provider in the world. They have SO many hidden fees and charges its not funny.

Avoid GE like the plague. actually I would rather eat a bowl of warm plague than take out a CC with GE.

[Shaz]

That Gold account is much better then the Cash passport.

You will need a seperate one for Rubles and a seperate one for Maple Leaves.
You also dont get travel insurance with the Cash Passport, whereas the NAB card has it built in.

And purchase protection insurance

And extended warranty insurance

And insurance insurance.

edit** Also, FYI with GE: I got one of them interest free harvey norman cards to purchase some ****.

Paid it off in 6 months.

2 years later, i get a letter saying they are going to start legal proceedings because i havent paid anything, and my interest rate was accruing at 31% per DAY, until i paid it in full. They put a default against my name, and also tried to take me to court. My original amount of $3000 increased to $5000, and then 31% interest per day.

AND ITS STILL GOING ON!

I have a case with the financial ombudsman and everything.
I fscking hate GE with a passion, and will NEVER get ANYTHING with them, nor refer anyone to do anything with them.

Lucky i have all the receipts of payments and a conversation log of every single lowlife debt collector that called me, along with voice recordings and everything.