Just signed up for the St George 80,000 Qantas Frequent Flyer points offer. Seemed a good deal for the $179 fee. Better than their stablemate Westpac was offering for a $250 fee.
Fully approved in 3 hours, not bad service at all.
Where the hell is the smack my stupid head emoji?
Ok... so I paid an instalment towards my holiday on this card. Thinking in my mind I've met the minimum $4,000 spend....
I thought wrong.
I put it through as a BPAY transaction, which is excluded from earning FF points.
Called up the Bank, they said its excluded because the interchange fee is lower on BPAY transactions, so VISA won't give the points. Ignoring the fact Flight Centre charged me an additional merchant fee for the privilege of paying by credit card....
To be fair, the exclusion was quite clear in the fine print.
If you take a close look at the date of the post above, it is just more than 90 days, which means that I'm outside the period to correct my stuffup by paying another instalment.
So to sum up, FFS, I'm out $179 on the card, I've got no Frequent Flyer points out of this, and I took a hit to my credit score.
Read the damn fine print lol.