There are less and less branches, and the branches that are left are only open for short hours. Everything is referred back to online. There are times that you just want to speak to someone face to face. I don't trust online with all details of my finance.
The ‘more rewards’ program is great. The bank will send a prompt to trade the points for cash back. The credit card provides free travel insurance too which is handy.
Virgin Money were always easy to talk to and offer you good savings. If you have trouble meeting payments they offer your balance as a loan so you can pay it off.
Poor reward points, in fact almost non existant.
Platinum CC was the best CC I ever had. I have been in many places of the world and never had any problems.
It was a good option when I decided on this credit card, however the bank has gradually decreased the Qantas points and benefits. They haven’t offered an alternative. I’ve looked at other options but it’s hard to change when everything is set up and linked, so I guess I’m paying the “lazy tax”. I pay my credit card balance in full every month, you’d think they’d have rewards. (Maybe they don’t like me because I hate paying interest.)
CBA have failed me, not provided any incentive to stay with them, and have rewarded my long term loyalty with zero, this is without exaggeration. My experience has been nothing but disappointing.
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