Thread: Banks & Credit Cards

Originally Posted by DiscoMick

No, ANZ didn't pass on the whole of today's rate cut either.
You can always do what we did a while back - ditched one of the big four and went to a smaller bank, BOQ. Working well so far.
Internet banking can work if you don't save your password anywhere, except in your head.

I have accounts with two of the big 4 banks & also one with the BOQ that I use for my car money , it was good to start with but then stopped opening on Saturday & that is usually when I want to access my money but with the account that pays interest you can't get money out of teller machine so need to go into the bank to get cash. but so far has worked well enough & there has not been any major problems.

We are living in the 21st centuary guys and "Service" as we know it is long dead and gone, It is what it is.
The ONLY way to to keep an accurate tab on your bank accounts is online these days and relying on snail mail to get your bills delivered on time so that you can pay them without getting a default notice/charge is a pipe dream.
I have been using online banking for decades now and i havent lost a cent neither have i had to pay a fee for a late payment either.
Get with the programme guys and save yourself a few quid by using the online services the banks provide, No more driving into the bank and waiting in a que to get served either

Originally Posted by trout1105

We are living in the 21st centuary guys and "Service" as we know it is long dead and gone, It is what it is.
The ONLY way to to keep an accurate tab on your bank accounts is online these days and relying on snail mail to get your bills delivered on time so that you can pay them without getting a default notice/charge is a pipe dream.
I have been using online banking for decades now and i havent lost a cent neither have i had to pay a fee for a late payment either.
Get with the programme guys and save yourself a few quid by using the online services the banks provide, No more driving into the bank and waiting in a que to get served either

But I am happy with snail mail & if the bank gave me the correct amount of tine between when they process the statement & the due date which by law set by the government is 21days & not 10 days or less with the due date ranging from the 2nd to the 9th of the month were the due date should be the 4th then there would be no problem with snail mail. I would say you have been lucky so far & not had an attack on your computer . I buy good quality anti virus programs but they still manage to get in & switch off the anti virus & lock it so it can not be switched on again, always do it late Friday night then start searching

Originally Posted by 1950landy

I buy good quality anti virus programs

which one?

Originally Posted by 1950landy

But I am happy with snail mail & if the bank gave me the correct amount of tine between when they process the statement & the due date which by law set by the government is 21days & not 10 days or less with the due date ranging from the 2nd to the 9th of the month were the due date should be the 4th then there would be no problem with snail mail. I would say you have been lucky so far & not had an attack on your computer . I buy good quality anti virus programs but they still manage to get in & switch off the anti virus & lock it so it can not be switched on again, always do it late Friday night then start searching

Don't save your passwords on your computer or phone and you should be OK with online banking.

Originally Posted by Andrew D

Everything is online. Everything. I don't have a wallet. One smart phone does everything. One day micro chips under the skin will do all this and still take pictures.

Not sure the bank will be too stressed about your patronage. Your disposition requires a lot of maintenance. I'm sure even the Banks can't believe people want to come in and see them. One generation away and people will be reflecting in disbelief with regards to people visiting banks. Personally, it's the last thing I would ever want to do, massive waste of time. The relationship with my bank is as follows. Don't call me, I'll call you.

Things are moving and changing all the time. Best get on board or otherwise be prepared to get left behind and even more frustrated.

If you need a device to spend your bank balance that is durable, easily replaced and does not run out of power - why choose your phone?

I travel with a phone, a card and at least 50 in cash. Out and about with just my phone for payments would be foolish.

If you want your money out of the banks pockets and back into yours for what ever reason - you can demand it in cash by visiting your bank. This is an option worth protecting.

Digital cash could replace paper cash - but dropping 'offline cash' altogether should be met with solid resistance.

A communications chip under your skin is worth less than money in your hand. Plus, its a stupid idea.

For the sake of future generations, try not to be so easily led. You do not have to jump on board, or fear being left behind. If someone tries to stick their chip under your skin - think for a second, then tell em to **** off.

hard to pay strippers in digital cash

Originally Posted by Eevo

hard to pay strippers in digital cash

A good and very wealthy mate has a bundle of rental properties. He says the way to get tradespeople to turn up and do the jobs is to tell them he will pay in folding as soon as they finish.