I have applied for credit card with balance transfer, it took me 6 weeks to get the card and 3 weeks after activating my card, still the application team in the Philippines can't tell me what is wrong with the process and why it hasn't happened. Absolute waste of time. Don't come close to Westpac bank.
Westpac, what can I say, they are everything you want in a bank! Trustworthy, reliable, great customer service, great online banking set up and most importantly to me, awesome benefits that come with the credit card. No cons from me, would recommend highly to anyone.
They switched from visa to MasterCard late last year without very much warning. Considering Christmas was in the middle of the change over period, we got little or no help in moving my direct debits over, and no help at all in my advance payments that I had entered (for things like council rates instalments).
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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
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Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.