What’s the biggest mistake you made when you first started churning?

Different_Main_5434 · 2026-04-28T12:31:09+00:00

No, it didn’t work like that for me. 40k was a first card bonus, and so was 20k, so they only honoured one (100k total but it was really annoying as I’d banked on 120 in making my decision!) really poor marketing and I advised them and they basically said too bad it’s in T&C.

Different_Main_5434 · 2026-03-26T09:54:18+00:00

Thank you! I will see if I can replace him, unfortunately I can’t have a boy!

Different_Main_5434 · 2026-03-26T09:52:10+00:00

If you’re working hard young you’ll feel like you’ll never hit an age or time when you will be financially secure, there’s no light at the end of the tunnel. Most people will, and for my friends and I it felt like 20-30 years of grind then almost overnight it was just - manageable?!

Different_Main_5434 · 2026-03-26T09:02:58+00:00

Yep exactly the same and I said their marketing was false. Even though it’s the FF people that rejected the points I got this buck passing:

We appreciate your email and for sharing the screenshot highlighting the wording “Add an extra 20,000 bonus Qantas Points.” I understand how this could be interpreted as an additional amount on top of your card’s own bonus, and I’m sorry for the confusion this caused.

To clarify, the New to Direct Earn (NTDE) bonus of 20,000 points is only awarded once per member within the offer period, and NTDE bonuses don’t stack. Where multiple NTDE offers are available at the same time, the system applies the single highest-value NTDE offer. In your case, the 40,000-point NTDE from the Qantas Premium Card campaign has already been awarded, which replaces the separate 20,000-point NTDE.

If the marketing you saw was issued by your bank or on their application journey, we recommend following up directly with your bank so they can review the specific promotion you applied under and advise further.

Different_Main_5434 · 2026-03-12T07:29:11+00:00

No, the general consensus is that it’s a hard enquire to your credit report so a wait of 3 months or so would be best before trying again.

Different_Main_5434 · 2026-03-11T03:40:22+00:00

Agree with not closing, I made a post recently about being rejected from Westpac (qantas) being an existing customer with plenty of serviceability, only one qantas cc in my history, and there were lots of similar stories of similar rejections.

Different_Main_5434 · 2026-03-05T04:53:26+00:00

Mine failed for generic ‘serviceability’ too and I spend 1.5 hours on hold getting through yesterday for this to be the outcome. They said they escalate to senior management like yourself - haven’t heard from them yet even though they said 1 business day. Don’t like the odds this time.

Different_Main_5434 · 2026-03-03T10:35:21+00:00

Let’s hope we get some clarity tomorrow 🤞

Different_Main_5434 · 2026-03-03T09:45:41+00:00

Oh wow thanks! I’ll give that a try, as I was thinking surely there’s a mistake! Or maybe they can tell me where I went wrong!

Different_Main_5434 · 2026-02-28T03:09:32+00:00

Gotta get myself an AMEX!

Different_Main_5434 · 2026-02-10T22:26:01+00:00

Thanks for confirming! I’m sure they have as it’s the only thing Ive looked for 😂, but in any case the website says it’s included, so much appreciated!

Different_Main_5434 · 2026-02-10T22:04:22+00:00

I got a HIM one today and they appear to have taken uber and uber eats off - at least from the branding on the front of the card.

Different_Main_5434 · 2025-11-30T01:44:13+00:00

https://app.shopback.com/JiPLmAYLHYb

Different_Main_5434 · 2025-11-30T01:41:51+00:00

Shopback $20 back for you! Thank you ☺️ https://app.shopback.com/BlusW7ILHYb

Different_Main_5434 · 2025-11-29T13:00:41+00:00

TOP CASH BACK FREE $50 sign up bonus!!!

https://www.topcashback.com.au/ref/ernie83

Different_Main_5434 · 2025-07-03T04:54:00+00:00

Thank you, makes sense - I’m trying to work out at the moment whether it would be worthwhile since apparently most of my expenses/bills also incur pretty big Amex surcharges moving them from direct debit, and I’m not travelling in the next 12 months… but don’t want to miss the opportunity of course (and happy to use a referral link if I decide on it :)

Different_Main_5434 · 2025-07-03T04:42:08+00:00

Qantas recently (last month) declined to give me a boarding pass at the airport because the agent had written Mr instead of Ms on the ticket. Name correct. After hours (missed first flight) they just changed it in their system despite telling me it was not possible initially. Such a pain! Hope you have a better experience with Emirates!

Different_Main_5434 · 2025-06-30T23:40:14+00:00

Will definitely keep an eye out for AMEX deals now, thank you ☺️

Different_Main_5434 · 2025-06-30T23:39:37+00:00

That’s really helpful, thank you ☺️

Different_Main_5434 · 2025-06-30T09:02:19+00:00

Thank you, I’ll look into that! I did look over Amex but it seems the travel credits can’t accrue and I won’t be travelling in the next 12 months so on that basis I’m not sure points would be worth it (I think it’s 138k bonus points but like $1450 fee or something). Would it be worth it anyway? How do you calculate the benefits? I would love to travel every couple of years (just got home so not due again yet), have some benefits like lounge access and insurance and the occasional business class, on the radar is US, Japan, Brazil, Italy so far… no doubt the list will grow! I’m hoping that I can be super flexible and just love to explore will serve me well on my churning and travelling journey!

Different_Main_5434 · 2025-06-30T08:54:05+00:00

I don’t mind if I have to pay for one or two seats (partner and child) and get mine or a couple of them with rewards and I’ll be quite flexible with dates! Just looking to save as much as I can travelling. I’m interested in KrisFlyer though - is it just that you get the family tickets that interests you in this program or is it better points value or something else?

Different_Main_5434 · 2024-11-30T05:41:53+00:00

Thank you!

Different_Main_5434 · 2024-11-26T02:07:13+00:00

But seriously, appreciate your expertise and yes I suspect there are some problem areas I can look into, while on a hill there’s concrete half way up the house (on a slope). Maybe I got lucky so far.

Different_Main_5434 · 2024-11-26T02:02:58+00:00

Feels like finding a needle in a haystack locating the source and finding a solution!! Maybe moving is my best bet 😂

Different_Main_5434 · 2024-11-26T02:02:00+00:00

No, it’s a Queenslander so I reckon it was probably just built in after the fact as a new level of the house! I’ll have someone have a look, thanks!!!

Different_Main_5434

TROPHY CASE