问点有技术含量的。。。有关westpac，贷款package问题

jasonliu234

这个月，loan refiance了

package 没有了

但是offset account 和 信用卡，并没有自动关闭

要手动cancel。现在offset 已经关掉了

但是由于，direct debit 和 积分的原因，信用卡账户要到下个月才能cancel

请问package 没有了之后，信用卡的年费 什么时候开始被charge

1。 是package discharge 的当月
2。 还是信用卡 approve 那个月。

谢谢 分分伺候

[ 本帖最后由 黑山老妖 于 2010-6-22 11:10 编辑 ]

ameng

问银行更清楚吧? 感觉不会那么快charge的。即使收了年费，也可以退的。不必操心这么多了。

jasonliu234

打电话问过wbc客服

他们也不知道

只是查了系统说，没有看到最近会被收年费。

从我最近和wbc和nab交道打下来，不少人 业务不熟。

nab帮我爸妈竟然都开了retirement account，问及和classic有什么区别，号称没区别。也好 让我转了不少空子。

黑山老妖

这个很有技术含量。

shayy

drop by a branch. Ask for bank manager. They are much better than tele service. Besides, Westpac has fairly flexible policy. Even if they told you wrong, they can wave you fee because they had told you that...

Most bank don't want you totally finish your business with them. So if they said they are going to charge you from this month, and you negotiate with the bank manager, it is possible to get it wave for this year.

[ 本帖最后由 shayy 于 2010-6-22 11:18 编辑 ]

jasonliu234

其实许多事情，都是系统自动做的

我一开始不像惊动银行，就是怕 打草惊蛇，本来系统里面可能本来就不被charge 年费。我过去一提醒，反而被手动charge了。

shayy

In that case, you can take a little bit risk to see what happens...

For me, when I applied for my credit card, I actually changed from CBA to Westpac, so the bank manager said they are going to wave the fee for me. But because I am not qualified for the auto wave policy, I had been charged. I ringed the Tele service who basically tell me she doesn't know and she don't think I should get a fee wave. But she gave me the number of the guy who applied my card for me. So I ringed him and the fee is refunded the next day.

jasonliu234

原帖由 shayy 于 2010-6-22 11:30 发表
In that case, you can take a little bit risk to see what happens...

For me, when I applied for my credit card, I actually changed from CBA to Westpac, so the bank manager said they are going to wav ...

问问，fee waive是你的cba的卡，还是wbc的卡？

如果都离开cba，和wbc混了，cba为啥还能给你waive掉费用。

黑山老妖

我的非WBC内部看法。
如果你的fee已经waive了一年了，不到第二年WBC是不会想起来charge 你钱的。。。
所以应该没事。

shayy

Westpac waived my card fee. They initially said that they can waive half of it. I said I had CBA offered same thing I want to think about it. Then they said they are going to waive it all for first year... So I changed to Westpac.

Sorry my sense of logic is really bad.

CBA is not bad. I just don't like the random picking lucky custom way they do their promotions. I actually been with westpac for 6 years now. When I saw some new promotion on their website such as higher rate on esaver, just give them a call or go to branch. They will fix it for me fairly quick.

[ 本帖最后由 shayy 于 2010-6-22 12:07 编辑 ]

jasonliu234

原帖由 黑山老妖 于 2010-6-22 11:59 发表
我的非WBC内部看法。
如果你的fee已经waive了一年了，不到第二年WBC是不会想起来charge 你钱的。。。
所以应该没事。

我的package 的年费原本应该这个月扣的
因为取消掉了，所以年费不会再被charge

偶怕会charge 信用卡的年费，
但是我的信用卡，被approve 和  loan package被批准不是同时的

所以纠结于，信用卡何时被charge 年费。

是package结束当月
还是信用卡批准的那个月

黑山老妖

批准的那天算起。

jasonliu234

原帖由 shayy 于 2010-6-22 12:02 发表
Westpac waived my card fee. They initially said that they can waive half of it. I said I had CBA offered same thing I want to think about it. Then they said they are going to waive it all for first year... So I changed to Westpac.

Sorry my sense of logic is really bad.

CBA is not bad. I just don't like the random picking lucky custom way they do their promotions. I actually been with westpac for 6 years now. When I saw some new promotion on their website such as higher rate on esaver, just give them a call or go to branch. They will fix it for me fairly quick.

我也要sorry了

我越看 越糊涂。

貌似不是在回答偶的问题。。。

再问一下
wbc 的免除年费，是你的wbc的信用卡 还是 cba的信用卡？

[ 本帖最后由 jasonliu234 于 2010-6-22 12:23 编辑 ]

jasonliu234

原帖由 黑山老妖 于 2010-6-22 12:13 发表
批准的那天算起。

这是我希望看到的

这样还能偷着用wbc信用卡 几个月。

挺喜欢这张信用卡，比nab的要好。

shayy

Westpac card fee.

I cancelled my CBA.

jasonliu234

原帖由 shayy 于 2010-6-22 12:33 发表
Westpac card fee.

I cancelled my CBA.

明白了，谢谢

当时离开cba的时候，
你的cba的信用卡是和package 一起cancel掉了，
还是
用了几个月才cancel的？

frankielynna

原帖由 黑山老妖 于 2010-6-22 11:59 发表
我的非WBC内部看法。
如果你的fee已经waive了一年了，不到第二年WBC是不会想起来charge 你钱的。。。
所以应该没事。

我的wbc卡年费，第二年还是charge 我，然后又补给我，而且直接去home loan account的。我打电话去问，说第一次没有设置好，给我骂一顿，因为这几天利息算谁的？所以什么事情都会有，还是自己小心。

shayy

I cancelled my CBA together...

I only have a credit card with Westpac no loan account, they gave me a fee waive fairly easy. I can't see why can't they waive the remain several months for you if you told them you have to  cancel the card if they start charging you now instead of next annual fee charge day of your card.

[ 本帖最后由 shayy 于 2010-6-22 12:55 编辑 ]

jasonliu234

原帖由 shayy 于 2010-6-22 12:48 发表
I cancelled my CBA together...

I only have a credit card with Westpac no loan account, they gave me a fee waive fairly easy. I can't see why can't they waive the remain several months for you if yo ...

恩 明白你的意思了

我当初想cancel st george的信用卡

打电话过去，问我什么原因，我说我已经有新的信用卡，想取消旧的。又加了一句，这张st george的卡有年费

后来对方offer我，给你免一年年费。我一听，没成本的事情，干嘛不干。又混了一年，这一年期间 几乎没有任何消费。因为没积分。。。

后来第二年，我在付年费之前，又打去电话，说要cancel，原来指望会说再免一次年费，后来对方压根没提，直接cancel掉了。。。。


所以如果我去cancel wbc的信用卡，也许也会有商量，免去我的年费。。。哈哈。提供了一个好思路，我很喜欢。

[ 本帖最后由 jasonliu234 于 2010-6-22 13:01 编辑 ]