CREDIT
CARD BANKING
WORLDWIDE APPLY HERE WITH CHASE
United
States residents only
NAB
BANK HAS REFUSED A LOAN FOR $5,000 TO A LADY
IN QLD [4BC CALLER], SHE WANTED TO BORROW
$5,000 DOLLARS FOR A RAINWATER TANK TO INSTALL
IN HER HOUSE AT WHICH SHE HAD NEARLY PAID
OFF HER TOTAL MORTGAGE TO THIS BANK. SHE TRIED
IN VAIN TO CONTACT OTHER BANKS AT WHOM ALL
WERE DISINTERESTED BECAUSE THE AMOUNT WAS
NOT WITHIN LENDING MARGINS OR IN OTHER WORDS
- NOT WORTH THE PAPER WORK TO APPROVE
AND PROCESS THIS..!!!
BANKS WONT LOAN YOU ANYTHING IF IT IS NOT
WORTH WHILE OR THE AMOUNT IS DEEMED TO SMALL,
I PERSONALLY KNOW THIS BECAUSE I WAS REFUSED
YEARS AGO BECAUSE THE AMOUNT WAS LOWER THAN
A HOUSE LOAN. YET THEY WOULD HAVE OFFERED
ME A CAR LOAN TO THE SAME AMOUNT OF VALUE.
WHAT I DISCOVERED IS THE DIFFERENCE IN INTEREST
RATES - HOUSE LOAN SIX TO SEVEN PERCENT -
CAR LOAN EIGHT TO ELEVEN PERCENT. SO AMOUNT
BORROWED PER $100,000 TO A CAR $100,000 IS
ROUGHLY $30,000 INTEREST
SUNCORP
STAFF AT THE TELLER HAVE TO GET 20 NEW BUSINESS
LEADS EVERY DAY. THIS IS MANDATORY, AS THEIR
SUPERIORS HOLD MEETINGS ON THIS AT THE END
OF THE WEEK. [THIS IS WHY THEY OFFER YOU ALL
THESE CHOICES AT THE TELLER TO HELP YOU SAVE
MONEY OR MAYBE MAKE THEM MORE MONEY].
THANKS
TO THE SUNCORP STAFF MEMBER FOR THIS INFO
!!!
LATEST
NEWS: NAB HAS DROPPED LOWER TODAY ON THE STOCK
MARKET DUE TO SENDING JOBS OVERSEAS [INDIA]
THIS FOLLOWS SEVERAL OTHER BANKING GROUPS
- ANZ AND ST GEORGE, AT WHOM ALL ARE FOLLOWING
THE SAME PATH. SPECULATION IS THAT MORE JOBS
WILL GO TO OVERSEAS CONTRACTORS IN THE NEAR
FUTURE. KNOW
MORE ABOUT THIS THAN WE DO TELL US HERE
IF
YOUR ARE A STAFF MEMBER OF ANY BANKING/INSURANCE
GROUP - PLEASE EMAIL US THE LATEST NEWS WITHIN
YOUR ORGANISATION - THIS WILL REMAIN TOTALLY
CONFIDENTIAL. TELL
US HERE
CITBANKS
RANDOM SPRAY TO THE HOUSEHOLDER.
CITBANKS
2.9 % PA FOR 6 MONTHS CREDIT
CARD ADVICE
CITIBANK'S NEW CARD OFFER STARTS WITH A LOW
2.9% PA
[6
MONTHS] THEN CLIMBS TO 15.99 PERCENT ,
NOT BAD CONSIDERNG OTHER BANKS ARE CHARGING
UP TOO 19.24 %. THIS ADVERTISMENT IS IN HUGE
WRITING "2.9 PERCENT" ON THEIR WEBSITE.
HOWEVER
YOU SHOULD READ ALL THE FORMS OF ADVERTISMENT
IN THE FINE PRINT BEFORE YOU PROCEED WITH
ACQUIRING ANY CREDIT CARD.
15.99
% IS THE CURRENT RATE AFTER 6 MONTHS - WHAT
REALLY AMAZES SWITCHBANKS IS THAT THEY ARE
ALLOWED TO SEND RANDOM LETTERS TO MOST HOUSEHOLDERS
IN ORDER FOR A FREE CARD, THIS FREE CREDIT
OFFER IS WITHOUT EVEN KNOWING THE PERSONS
NAME, JUST RANDOMLY SELECTED ADDRESSES OF
ANYONES RESIDENCE. [HOW DO THEY AQUIRE THIS
INFORMATION OF YOUR ADDRESS REMAINS UNKNOWN]
THE
CREDIT CARD VALUE RANGES FROM $5000.00 DOLLARS
TO $25,000. IF YOU BORROWED OR USED THE WHOLE
AMOUNT OF 25,000 THIS WILL IN TURN COST YOU
OVER A YEAR PAYING IT BACK AT $1000 A MONTH
= $31,000 - THATS 6,000 DOLLARS EXTRA FOR
USING MONEY YOU DONT EVEN HAVE TO BEGIN WITH,
IF PAID OUTSIDE OF THE INTEREST FREE PERIOD.
CITIBANKS
EASY SECTION STATES - "NO COLLATERAL
OR SECURITY REQUIRED" THIS WILL EASILY
DISCOMBOBULATE THE AVERAGE PERSON INTO A FALSE
SENSE OF SECURITY.
REMEMBER
THE SWITCH RULE AND THAT IS TO NEVER EVER
SPEND OTHER PEOPLE'S MONEY BECAUSE AT THE
END OF THE DAY YOU HAVE TO PAY IT BACK. BY
READING THE PRIVACY CONSENT ON ALL CREDIT
CARD APPLICATIONS YOU WILL FIND THE DEFAULT
OF PAYMENTS CAN LEAD TO DEBT COLLECTION ACTION
IF YOUR CARD IS NOT PAID BACK WITHIN AS LITTLE
AS 60 DAYS.
MOREOVER A SERIOUS CREDIT CARD INFRINGEMENT
AGAINST YOUR NAME "CREDIT HISTORY ACTIVATED"
WILL RESULT IN YOURSELF BEING BLACKLISTED
FOR PREVIOUS ERRORS OF NOT FORWARDING WHAT
WAS OWED TO THE BANKING INSTITUTION YOU HAVE
CHOSEN.
SWITCHBANKS
1ST DECEMBER 2006.
CREDIT
CARDS TABLE
THIS
IS A GUIDE ONLY AND SHOULD NEVER BE USED FOR
ACTUAL RATINGS AS CREDIT CARDS UPDATE REGULARLY.
PLEASE
CONSULT YOUR BANKING INSTITUTION FOR THE LATEST
CREDIT CARD OFFERS OR BANKING INTEREST.
BANK
TYPE
OF PRODUCT
VISA/MASTERCARD/AMEX
CARD
RATES
INTEREST
FREE DAYS
BALANCE
TRANSFERS
MIN
PAYMENTS ALLOWED
ANNUAL
CARD FEE
REWARDS
LATE
PAYMENT FEES
ANZ
Bank
ANZ
Rewards Visa Gold
VISA
19.24
55
N/A
$10/2%
$57
$22
p.a
$35
ANZ
Bank
ANZ
Visa Gold
VISA
17.75
55
7.99%
for the first six months upon approval
$10/2%
$87
N/A
$35
Bank
of Queensland
Gold
MasterCard
M
17.50
44
N/A
$5/3%
$120
N/A
$30
BankWest
Bankwest
Lite Gold MasterCard
M
8.99
55
2.99%
for 6 months
2%/$20
$89
N/A
$35
BankWest
BankWest
Visa Gold
VISA
17.74
55
N/A
2%/$20
$84
$16
p.a
$35
Citibank
Citibank
Ready Credit
VISA
15.99
55
2.9%
for 6 months
$30/2%
No
Fee
No
Fee
$10
Citibank
Citibank
Platinum Card
BOTH
VISA MASTERCARD
19.24
55
6.9%
for life of balance - intro offer only
$30/
2%
$250
No
Fee
$10
Commonwealth
Bank
Gold
Credit Card
BOTH
VISA MASTERCARD
18.90
55
5.99%
for 5 months
$25/1.5%
$114
N/A
$20
Commonwealth
Bank
Platinum
MASTERCARD
19.40
55
5.99%
for 5 months
$25
or 1.5%
$200
N/A
N/A
CUA
Gold
MasterCard
MASTERCARD
17.75
55
4.9%
pa
$30
or 2%
$75
N/A
$15
Heritage
Building Society
Visa
Gold Basic
VISA
15.20
55
N/A
$10/3%
$36
N/A
$20
Heritage
Building Society
Visa
Gold No Frills
VISA
9.95
55
N/A
$10/3%
N/A
N/A
$20
Heritage
Building Society
Visa
Gold with Rewards
VISA
15.20
55
N/A
$10/3%
$90
N/A
$20
HSBC
Gold
Credit Card
VISA
18.25
45
5.99%
for 6 mths on first bal trans
3.0%
or $20
$99
N/A
$30
HSBC
Platinum
Credit Card
VISA
18.25
45
5.99%
for 6 mths on first bal trans
3%
or $20
$199
N/A
$30
National
Australia Bank
Ant
Gold Card
AMEX
18.30
44
N/A
10
$148
N/A
$30
National
Australia Bank
Velocity
National Gold American Express Card
AMEX
18.00
44
3.99%
p.a. for up to 6 months
2.5%
$150
N/A
$30
National
Australia Bank
Visa
Gold with Rewards/Mastercard Gold with
Rewards
|
