Jump to content

recommend a cc.. interest free period and frequent flyers


  • Please log in to reply
4 replies to this topic

#1 Bearynice

Posted 13 January 2013 - 04:20 PM

hi! we are looking at changing our "strategy" for budgeting. currently its all about a weekly cash withdrawal. but we are planning to switch to putting majority of funds into our offset account.

then using cc for purchases. pay it off in full at end of month.[im assuming for this strategy we pay cc the day after our mortgage payment has been taken]

just wondering if anyone can recommend a cc [prefer one where we can get frequent flyers too if possible] we are planning a holiday in mid 2014, so ff points could be handy.

we are pretty strict with our budgeting, so would like to try this method and see if it works for us. anyone do this? successful?? any tips etc??



#2 jks91

Posted 13 January 2013 - 08:01 PM

We have two QFF earning cards - I have a Qantas Discovery Amex in my name and DP has the Woolworths Everyday Rewards Credit Card in his.

The Amex is annual fee free and earns 1 point per dollar spent.   Only downside is the limited acceptance and surcharging (not that we are willing to use it when there is surcharges), but it is good for groceries, fuel etc.  Customer service from Amex is excellent, cannot fault them AT ALL.  They send you weekly text message updates of your balance and if the bill is due within the week.  44 days interest free I believe.

The Woolworths QFF card has an $89 annual fee however we got this waived for 12 months, like the Amex earns 1 point per dollar but acceptance is far greater as it is a mastercard.  However we won't be keeping it unless we can get the annual fee waived again, the customer service is not so great.  I had to get my card replaced due to chip damage and was without a card for 6 weeks when it should have taken 10 working days.  This card has 55 days interest free.

If you know you are strict with budgeting then it is a great tool.  Just don't forget to pay it all off in full each month!

#3 SeaPrincess

Posted 13 January 2013 - 10:02 PM

Have you spoken to your own bank?  ANZ do a credit card account that has both an Amex and Visa card.  The Amex earns points at a slightly higher rate, but if somewhere doesn't take Amex, we just use the Visa.  We pay an additional cardholder fee, but I think the normal annual fee is waived when you spend over a certain amount on the card in a year.  We pay our mortgage fortnightly, and I pay the credit card off on the same day each month, right around the time that the statement comes out.

#4 Jellyblush

Posted 13 January 2013 - 10:42 PM


I have this one too. It's great, I've never racked up the points so fast. Mine are free with the mortgage package I have through ANZ, but I understand they are competitive as far as rewards cards go anyway. Usually there's a big points bonus for joining too (mine was 32,000 points). I use Amex wherever they take it, which is all the places I spend a lot anyway, Coles, Woolies, KMart, Myer, Petrol stations. Smaller shops often don't, but then I use the visa.

both cards are linked to one account, so you just have one credit card, but the choice of which actualy card to use.
You can set up a direct debit to pay it on the due date each month


Who is your mortgage with?

QUOTE (SeaPrincess @ 13/01/2013, 11:02 PM) <{POST_SNAPBACK}>
Have you spoken to your own bank?  ANZ do a credit card account that has both an Amex and Visa card.  The Amex earns points at a slightly higher rate, but if somewhere doesn't take Amex, we just use the Visa.  We pay an additional cardholder fee, but I think the normal annual fee is waived when you spend over a certain amount on the card in a year.  We pay our mortgage fortnightly, and I pay the credit card off on the same day each month, right around the time that the statement comes out.



#5 Bearynice

Posted 14 January 2013 - 07:39 AM

Thanks for replies. Anz sounds good. Our mortgage is with bankwest, so I will look into what they offer.

We do banking with suncorp too and ubank. Not sure if they offer any decent cc options.

We would be using cc mainly for bills, food shopping, crèche fees and petrol. We could get away with just the one card.


Our mortgage is deducted monthly from bankwest, we just pay into bankwest weekly amount so the offset is building up. So plan is to contribute more on a weekly basis into bankwest.put the weekly costs on cc. Pay off cc at due date with funds built up in bankwest acc.







1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Share the little things that make you smile

We're giving away a Mountain Buggy nano, the ultimate travel stroller - and here are some of the great entries so far.

Toddler pleads for return of "stolen" nose

A two-year-old's reaction to a game of "got your nose" shows it doesn't take much to make a toddler cry.

The 15 photos new parents share (and five they don't)

From the first scan photo to the baby covered in cake at their first birthday party, there are 15 photos most parents seem to share - and some they don't.

Doctor sings first Happy Birthday to newborns

His job is to deliver babies, but this US obstetrician also has a unique way of celebrating the miracle of life.

Breastfeeding friendly café goes viral

A photo of a breastfeeding-friendly sign in a cafe has been posted to Facebook and shared by hundreds of mums around the world.

First look at the Bugaboo Bee3

The newest Bugaboo Bee ? the Bee3 ? offers a variety of improved features, including a much asked-for bassinet and a rainbow of colour combinations.

Childcare costs, not paid leave, the real issue for parents

Given the choice between maintaining their wage for six months to have a child, or having a reduced rate of pay for a time but a better deal on childcare when returning to work, there are no odds on what most working parents would choose.

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

We lost three babies in two years

Our first pregnancy ended the way we all expected it to - with a healthy, happy baby in our arms. What a true blessing he was, for we were not to know the heartache we were about endure.

Family turned back from doomed flight MH17

'There must have been someone watching over us and saying, 'You must not get on that flight,' says mother who narrowly avoided boarding the Malaysian Airlines flight which exploded in mid-air over the Ukraine last night.

The myths and facts about "normal" breastfeeding

When it comes to successful breastfeeding, there is a wide variety to what is "normal", according to new research.

Adorable Skeanie loafers for kids

Your little toddler or preschooler can now get their nautical on with a new range of classic loafers by Australian show brand Skeanie.

My baby is hypermobile

For months, I have been telling myself not to worry that Jasmin isn't crawling or walking. This week I heard the term hypermobile for the first time.

When you don?t bond with your baby

They say that there is no bond greater than the bond between a mother and her child. But for some women, the mother-baby bond takes more time and effort to develop.

Yumi Stynes: Having a baby after a 10-year break

After a long break, Yumi Stynes gets a reminder of the pain - and the pleasure - of giving birth.

Grieving father asks for help to Photoshop his daughter's image

When Nathan Steffel's daughter Sophia died from a liver condition at just 6 weeks old, he reached out for someone to create a beautiful image of his little girl.

Raising kids in a 'low media' home

Can you imagine a life without TV or computers? Some parents are opting for a low-tech, screen-free life for their kids.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

Be careful what you say, your baby is listening

The importance of speaking to your baby even if they are not old enough to answer back has been highlighted by new research.

The beautiful moment a baby was born at the side of a road

It's not where she expected to give birth, but mum Corrine Cinatl is delighted that her daughter's roadside arrival was captured in a series of beautiful photos.

Doctor sings first Happy Birthday to newborns

His job is to deliver babies, but this US obstetrician also has a unique way of celebrating the miracle of life.

The Nappy Collective starts new drive

It's that time of year when the dedicated volunteers at The Nappy Collective do their bit to help out mums and children in need - and they need your help.

Baby shower cake wrecks

From misshapen cake babies to questionable text, from odd colour choices to internal organ recreation, these are the baby shower cakes that taste forgot.

Photographer captures the beauty of adoption

The love of a family is usually tough to capture on camera. This is an exception.

Pregnancy progression photo ideas

Want to record your pregnancy as your belly grows? Here are some creative, fun ideas for photo shoots along the way.

The myths and facts about "normal" breastfeeding

When it comes to successful breastfeeding, there is a wide variety to what is "normal", according to new research.

Tin can craft and DIY ideas

Got a few old formula, Milo or coffee cans around the house? Use these fantastic upcycling ideas to create items for around the house and yard.

Dads meet their newborn for the first time

Emotional photos of two fathers meeting their newborn son have resonated with viewers worldwide, attracting thousands of Facebook likes and shares.

Skin safety isn't just a summer worry

Lax about the slip slop slap with your kids as weather turns cooler? Here's a reminder as to why we have to remain vigilant for our children?s future health.

Personalised baby gifts

We've scoured the internet to find gorgeous personalised keepsakes and nursery decor to record baby name and dates. They make great gifts for christenings, name days and birthdays! (All prices in AU.)

Creative sleeping baby photoshoots

See how some parents and photographers have captured sleeping babies in unusual positions and using different props.

DIY kitchen and food hacks

DIY your way to a better kitchen and make cooking easier with our clever hacks. (Some content reproduced with permission from mashable.com.)

Winter warmers for babies and toddlers

Your baby or toddler will be nice and snug in these beautiful and fun winter pieces. Most are hand-made or knitted, and they're all designed to keep your little one toastie - and adorable!

 

Mind, body, beauty, life

Making time for me

We look at your wellbeing, covering health, relationships, beauty and fashion, mind and body.

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.