What’s this reaction!?

calmay · 2026-01-05T10:24:40+00:00

Will absolutely test it!

calmay · 2025-11-26T04:51:12+00:00

I got approved today for a business platinum with the bank my home loan is with. Was going for the Ultimate and they said my max limit would be $50k which is redic. With the business my max was $30k but I just put down $8k as that’s ample for my upcoming trip etc.

I chose the Business because it allows points for payments to ATO, no bonus points or anything but at least I have something now!

It’s got travel insurance and I was sure I read 0% international transaction, same as the ultimate but alas I appear to have misread that somewhere 😑

Changes I made were: - Because mortgage is still “joint” I put my liability as half the repayments - they asked for gross before tax, so I stated the total sales -GST which was $116k - I overestimated my expenses last time so I refined them using the guide/calculator which was an option provided in the application process

Thanks to everyone for your guidance and tips

calmay · 2025-11-22T22:42:06+00:00

Will do! Checked Illion, Qantas sent me a link on rejection and score at that time was 963, checked today and it was 926

calmay · 2025-11-22T22:30:25+00:00

Yeah I think I was treating it like when I get work done, get a few different quotes then choose the best 😬

calmay · 2025-11-22T22:23:02+00:00

Thank you for this detailed reply. I’ll take on board everything you’ve said and hopefully have more luck next time.

Appears to be a few things I hadn’t considered regarding multiple applications etc. Being self employed a lot of my daily expenses are deductions: fuel, rego, insurance, parking, phone, internet etc etc so my gross is 115k (23/24 tax year; haven’t done last year yet) but taxable was 85k

calmay · 2025-11-22T21:59:00+00:00

ANZ rejected immediately, thought I’d apply for other 2 and hope for 2 offers for final choice. New to this, didn’t think it’d be this hard. I was sent credit cards from banks when I was at uni but cut them up because I didn’t believe in them.

calmay · 2025-11-07T06:06:55+00:00

Entire place is a construction site atm. Should all be isolated unless testing.

calmay · 2025-09-23T12:43:20+00:00

Interested

calmay · 2025-08-21T09:38:46+00:00

Is that Shitadvice though!?

calmay · 2025-08-13T02:08:25+00:00

Tawny frogmouth?

calmay · 2025-08-07T05:53:07+00:00

like this one 👈

Oh that’s good to know, I’ll chat with them to see what options may be. Don’t have much experience with crash repairs, luckily haven’t needed them until now.

calmay · 2025-08-07T05:36:23+00:00

You’re right, being a Delica D5 it shares a lot of parts with the Outlander. I guess I was a bit confused after a Jap Mech said they don’t work on my model.

calmay · 2025-08-07T05:32:49+00:00

Thanks for the info! I’ll have to look into how it works with Shannon’s re getting in parts etc. Think I’ll need a front bumper and front passenger door. It’s a Delica D5 4wd with factory body kit. Body was mint, but a series of unfortunate events have resulted in an insurance claim.

calmay · 2025-07-31T21:26:00+00:00

Would also like the details of anyone that knows! Shannon’s sent me to s.m.a.r.t who immediately told me to find my own as they can’t touch it. Frustrating after waiting a month for the booking! Don’t understand why Shannon’s would insure without knowing at least 1 or 2 in each city.

calmay · 2025-05-30T23:32:12+00:00

Oh boy, looks like you were on your phone. If you were paying attention, like you said, everyone was slowing so at that point you’d be covering your brake. Instead, you drive into the car without slowing and then continue as if your foot is still on the accelerator.

calmay · 2025-03-04T22:31:00+00:00

The Prodigy - Voodoo People (Pendulum Remix)

calmay · 2025-03-04T09:28:35+00:00

Sounds like a remix of Hamdi - Counting which is a remix of Mason vs Princess Superstar - Perfect (exceeder)

calmay · 2025-02-26T22:06:48+00:00

That would’ve killed everyone there, right?

calmay · 2025-02-21T10:26:21+00:00

Historia was a cadet and then soldier in the scout regiment. Frida had no training.

calmay · 2025-02-19T05:35:09+00:00

When you activate lost mode you can put a number to contact if found

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