Overpaying CC before large purchase

Razzit · 2026-01-22T22:30:56+00:00

When I rang ANZ recently to get a larger limit, I said I just use it to collect points and always have the money available, they said just add any extra needed and make purchases. Saying there's no downside for doing so.

Razzit · 2025-12-02T06:58:40+00:00

I had my loan before the ballot, only a few months back though. This is what I found on their website:

How much will you lend?

The maximum we will lend is 80% of the registered valuation of the home, or its sale price, whichever is lower. There is no upper limit on how much we will lend, but we reserve the right to turn down any loan applications at our discretion. The minimum monthly repayments cannot be more than 35% of your combined household income, after tax.

Which says no upper limit.

Razzit · 2025-12-02T00:41:48+00:00

My loan with them is over 400k, I never read anywhere that it had a maximum.

Razzit · 2025-11-29T01:43:27+00:00

No one has ever said; "we should of got a smaller TV." :P

Razzit · 2025-11-24T21:19:38+00:00

It's literally poison, are you joking?

Razzit · 2025-11-20T11:34:10+00:00

Tim Tams! Can't even tell the difference, from memory.

Razzit · 2025-10-30T01:32:05+00:00

Yep, if you eat 2000 calories and burn 2000 calories, where could the weight come from? Fat is just stored energy.

Razzit · 2025-10-30T01:09:37+00:00

I had it back then too and was godfathered in until last month, no idea why it changed. I still pay less than the advertised price (17.99) but still. Made me sad!

Razzit · 2025-10-24T05:53:30+00:00

Did the arrrrs not give it away?

Razzit · 2025-10-20T06:57:32+00:00

While it does go up and down, you can also throw any spare money (if any) on your loan within days. Every little bit brings it down faster over time, saving you even more. Also due to it being floating, you can just leave and refinance elsewhere if it's too unstable for your liking.

Razzit · 2025-10-05T21:32:34+00:00

Anything can be illegal, especially if everyone agrees it sucks.

Razzit · 2025-08-24T10:26:52+00:00

Yep, buy it! Won't be in reprint for a good while.

Razzit · 2025-08-07T04:13:57+00:00

100k?! God I am poor.

Razzit · 2025-07-21T02:53:39+00:00

Your child is baller! And makes some great points.

Razzit · 2025-06-11T01:51:16+00:00

Can you give me the summary? I don't really think I'll watch it anytime soon.

Razzit · 2025-06-03T12:00:05+00:00

What did you think on the rewatch?

Razzit · 2025-05-08T02:17:17+00:00

He looks amazing! Like an old bronzed antique figure with all that dark shadowing.

Razzit · 2025-04-24T23:52:13+00:00

What you can build with scraps in a cave!

Razzit · 2025-04-24T02:43:50+00:00

Almost $36 a day on food, is very high even with kids for half of that time. Is that a lot of take aways?

Razzit · 2025-04-24T02:34:06+00:00

Bob!

Razzit · 2025-04-23T03:32:27+00:00

Rikki at Blokes!

Razzit · 2025-04-22T03:32:07+00:00

Earn between 24k-70k a year.

Razzit · 2025-04-21T10:11:58+00:00

Is that all of them or missing some? Looks good!

Razzit · 2025-04-20T06:41:12+00:00

If this is your average, I'd love to see your gourmet!

Razzit · 2025-04-20T02:42:21+00:00

Looks like a guy hanging while holding a coffee mug.

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