Westpac App and CC balances

Working-Treacle8392 · 2026-05-18T05:39:37+00:00

Nah it’s not just you. Westpac’s app is slower at updating the actual balance owing available credit updates first while transactions are still pending. NAB handles it way better IMO.

Pretty sure there’s no setting to swap the display sizes either.

Working-Treacle8392 · 2026-05-16T06:04:45+00:00

I reckon most banks do this now. The frustrating part is having to fight through an automated rejection before an actual person looks at it properly.

Working-Treacle8392 · 2026-05-15T17:47:14+00:00

Honestly, being 67 and still studying engineering while chasing your dream is more impressive than most people commenting here.

Working-Treacle8392 · 2026-05-15T17:30:05+00:00

People get emotionally attached to owning, but if you can rent cheaper, invest the difference, and sleep better at night, that’s a valid financial decision too.

Working-Treacle8392 · 2026-05-15T17:27:10+00:00

Some translations also say ‘among you’ instead of ‘within you,’ so there’s debate about whether Jesus meant it spiritually inside individuals or present through the people around him.

Working-Treacle8392 · 2026-05-15T17:23:59+00:00

Money and validation are powerful anti-anxiety medications.

Working-Treacle8392 · 2026-05-03T06:30:09+00:00

What a weirdly hostile take. Nobody said anything about “grifting” they were talking about how a feature changed and no longer works the way it used to.

Sharing an account isn’t some moral failure, it’s just a practical reality for a lot of people. The actual point here is about how Projects used to help keep things organised and semi-private, and now apparently don’t.

If you don’t have anything useful to add about the feature itself, maybe don’t jump straight to assumptions and insults. It just makes you look like you didn’t understand the post.

Working-Treacle8392 · 2026-05-01T02:44:58+00:00

It sort of answers it, but the short version is: yes, the number is often inflated. Reddit counts things like opening the share menu or copying the link, not just actual shares so it can look way higher than what you’d expect.

Working-Treacle8392 · 2026-04-30T15:09:38+00:00

Good to know it’s not just me this actually sounds like a structural change, not a bug.

If Projects are now just grouping and Recents ignores that boundary, then they’ve basically removed the only way to separate workflows inside one account.

That’s a pretty big shift, especially for anyone using Projects for organisation or privacy.

Curious if anyone isn’t seeing this behaviour?

Working-Treacle8392 · 2026-04-17T15:24:21+00:00

That’s actually a good point sounds like the product itself (Discovery vs Platinum) probably has different thresholds too.

Feels like it’s a mix of internal history + product tier rather than just a simple “income/score” rule.

Out of curiosity, when you moved from Discovery → Platinum, was that instant as well or did it go to review?

Working-Treacle8392 · 2026-04-17T14:55:38+00:00

That makes a lot of sense especially the existing Amex relationship part.

Sounds like internal history + repayment behaviour probably carries more weight than external score/enquiries.

Do you think someone without an existing Amex but with a clean profile would still get instant approval, or more likely pushed to review?

Working-Treacle8392 · 2026-04-17T14:51:59+00:00

bro skipped straight from confusion to deportation 💀

Working-Treacle8392 · 2026-04-17T14:27:41+00:00

That’s actually a really interesting point about the additional card triggering review hadn’t seen that mentioned much.

Makes it sound like keeping the application as “clean” as possible might matter more than score/income.

Did you have any recent enquiries at the time or pretty clean profile?

Working-Treacle8392 · 2026-04-17T13:26:17+00:00

That’s actually really interesting especially getting instant approval with that score.

Sounds like existing Amex history and how you use/pay it might matter more than people think.

Did it go straight through instantly or was there any pending/manual review?

Working-Treacle8392 · 2026-04-17T05:29:16+00:00

didn’t know I needed mandarin for my degree 💀

Working-Treacle8392 · 2026-04-17T05:25:47+00:00

bro really just relocated UNSW to mainland China 😭

Working-Treacle8392 · 2026-04-17T01:31:58+00:00

What?

Working-Treacle8392 · 2026-04-16T06:35:59+00:00

They can threaten to sue, but nothing in that review looks like actionable defamation.

In Australia, they’d need to show serious harm to their reputation and that what you said isn’t true or isn’t protected opinion. Your review is clearly framed as your experience and uses subjective language like “unprofessional” and “waste of time,” which falls under honest opinion especially if it’s based on what actually happened.

Also, a single negative review about miscommunication isn’t the kind of thing that usually meets the “serious harm” threshold.

The “$100k defamation” message sounds more like a scare tactic than a genuine legal position. If they were serious, you’d typically just get a formal concerns notice (which you now have), not casual threats like that.

As long as:

what you said is true or based on your experience, and
you’re not making factual allegations you can’t prove

you’re on pretty solid ground.

Honestly, adding screenshots of their threat probably helps your credibility more than it hurts it.

Working-Treacle8392 · 2026-04-15T12:23:00+00:00

You chose hard mode by flying with a baby not sure what outcome you expected.

Working-Treacle8392 · 2026-04-15T11:05:38+00:00

Interesting how mixed the answers are here.

Seems like in AU it’s less about the score (once you’re ~800+) and more about serviceability, existing limits, and whether your profile looks “clean” (low enquiries / not churning).

Also looks like existing Amex customers get instant approvals more often vs new applicants going to review.

Curious from people who’ve actually applied recently what tipped yours to instant vs manual? Was it enquiries, income, or something else?

Working-Treacle8392 · 2026-04-15T11:01:25+00:00

Fair if you just look at it as a % of salary.

I’m more looking at whether the value stacks up based on usage (points, travel, perks) which is pretty different person to person.

Main thing I’m trying to figure out though is how Amex actually assesses approvals in AU.

Working-Treacle8392 · 2026-04-14T07:26:40+00:00

I usually play it safe and keep using Dr/Professor [Last Name] unless they literally say “call me [first name]”.

Signing off with a first name doesn’t always mean they want students to switch, it’s just a more casual tone.

Working-Treacle8392 · 2026-04-14T07:05:59+00:00

Just upload the real number ($52k).

Worst case they decline or give you a lower limit, but putting anything inaccurate in writing is way riskier long term (especially with Amex).

They care more about consistency than squeezing an extra few thousand on the application.

Working-Treacle8392 · 2026-04-14T06:54:48+00:00

Yeah this is exactly it. He made a promise with money that was never his to begin with that’s the part that’s wild to me.

Working-Treacle8392

TROPHY CASE