Jump to content
SAU Community

Recommended Posts

I bought bout 8k of motorbike on a credit card before, didn't have any surchages 

Since getting Amex I use that bitch for everything whenever I can, dem frequent flyer points 

Edited by UNR33L
56 minutes ago, blah_blah said:

Effects nobody

yeah i know. maybe i should sue CBA, like that guy who sued Crown for making him spend a few million on a gambling binge.

Card minimum was $4k. i asked for over that and got almost 4x the card minimum.

1 hour ago, JAS-25T said:

if you go for other credit, including home loans it will reduce your serviceability significantly.

 

Significantly is a big call

Ill let Hamish answer this

But didn't effect me at all and i just refinanced last month 

  • Like 1
26 minutes ago, JAS-25T said:

They look at the full amount of the CC being serviced at a fairly high rate, close to 20%.

at $27k that's $450 just in interest each month.

So even though the limit is unused they assume repayments are to be made as if it has been drawn in full?

 

Well that's intradasting

What difference does it make if you don't actually use the limit?
Effects nobody
How do you pay extra interest to a bank if you haven't drawn the funds?

When applying for home loan your credit card limit is used against you in your borrowing power. The smaller the limit the more you can mortgage
2 hours ago, UNR33L said:

I bought bout 8k of motorbike on a credit card before, didn't have any surchages 

Since getting Amex I use that bitch for everything whenever I can, dem frequent flyer points 

So like... nowhere? (i just got an amex so I could use apple-pay and literally no one accepts it lol)

49 minutes ago, blah_blah said:

Significantly is a big call

Ill let Hamish answer this

But didn't effect me at all and i just refinanced last month 

that just means you could afford it pal - ferrari

30 minutes ago, JAS-25T said:

They look at the full amount of the CC being serviced at a fairly high rate, close to 20%.

 

Any line of credit facilities are considered as if fully drawn, as you have the ability to do so without notice

I use my Amex 95% of the time....don't know where you're trying to shop but they probably serve coffee in a f**kin jar so wouldn't expect much from them..

As for credit card limits, it's really not an issue. If you're going for a loan you decrease the limit, get the loan, increase the limit again. The cba lender chick did it for me off her own back... Literally zero effort on my part. And I mean literally in the true sense of the word, not literally in the way every f**king idiot uses it these days

  • Like 2
27 minutes ago, joeyjoejoejuniorshabadoo said:

So like... nowhere? (i just got an amex so I could use apple-pay and literally no one accepts it lol)

that just means you could afford it pal - ferrari

Any line of credit facilities are considered as if fully drawn, as you have the ability to do so without notice

BP fuel, Coles, Maccas just to name a few.. 

24 minutes ago, dezz said:

I use my Amex 95% of the time....don't know where you're trying to shop but they probably serve coffee in a f**kin jar so wouldn't expect much from them..

As for credit card limits, it's really not an issue. If you're going for a loan you decrease the limit, get the loan, increase the limit again. The cba lender chick did it for me off her own back... Literally zero effort on my part. And I mean literally in the true sense of the word, not literally in the way every f**king idiot uses it these days

f**king LOL almost spat my coffee out to that first line 

I find that it's accepted probably half the time I would like to use it... and even when it's available it's often not contactless.

getting a card out of my wallet is so 2015

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now



  • Similar Content

  • Latest Posts

    • Please use a modern ECU. PowerFC with the Nintendo Gameboy controller is horrible. It's not 2005 anymore.
    • The car/ECU will have all the sensor that it needs and expect to have. I think i do not have to explain to you how the Link is way better specialy if you have swapped engine   I just do not want to deal with any "problems" cuz i have only Nistune which i learned is not that great and in my case cant even deal with that speed problem (Link can) And of course it will be way more easier to tune and diagnose and safe. And for the ECU/speed problem...i dont know.
    • Per Mark Roberts of Sonictune: Mark Robert Author At this time, no. No ETA either 2016-17 models. You will be able to purchase and install a 2018.5+ TCU though   TCU purchasing and pricing info! As we near the release of TCU tuning, I am going to answer some questions I get asked often.   What do I need for TCU tuning? At this time, you will need a 2018.5+ TCU to be able to tune. If you have a 2016-to early 2018, you will need to replace your TCU with the newer version. One good way to know if your TCU is good is if you have auto upshift in manual mode in 1st gear around 6500 rpms. If your manual 1st gear goes to 7k rpm and will hit the rev limiter unless you shift, you have the older TCU.   Why do I need to buy another ecu license/phone flash if I already have it on my ECU tune? The TCU is its own computer module. It is completely separate from the ECU. Because of this, you will be required to purchase a TCU license and, if your tuner has it, the phone flash license required to tune it via phone/bluetooth.   Do I need TCU tuning? TCU tuning is NOT required. However, the faster your setup, the more it will assist in track and dragy time consistency.   If I’m ECU tuned by (tuner A) can I get my TCU tuned by (Tuner ? Yes, since it’s a different module and a completely separate flash, you can have two different tuners. However, it is highly recommend that you have both tuned by the same tuner. For me, my TCU tuning will directly complement my ECU tuning style and features and running my ECU and another TCU or vice versa MIGHT cause some issues. At this time and for the foreseeable future, I will only be tuning my current ECU tuned customers TCUs.     I have a SYVECS AWD controller. Do I still need it? Yes! The AWD controllers main job is to control your AWD system. However, with TCU tuning, you will no longer need the auto-shift function as that will be done through the TCU. The AWD controller will still be very beneficial for racers looking to maximize traction on the launch.     Shift schedule changes: holding gears longer at lower pedal input as well as max shift rpm changes. Please note, the new ECU race rom coming out will address 90% of the shitty drivability issues these cars have through custom maps from myself and Racebox—as well as others I am sure.   Increase shift speeds: as seen in the videos I’ve been posting, the TCU shifts much faster once tuned.   Increased shift pressures: as also seen in the videos, much firmer full throttle shifts.      
    • Per Mark Roberts of Sonictune:     Mark Robert Author At this time, no. No ETA either 2016-17 models. You will be able to purchase and install a 2018.5+ TCU though   TCU purchasing and pricing info! As we near the release of TCU tuning, I am going to answer some questions I get asked often.   What do I need for TCU tuning? At this time, you will need a 2018.5+ TCU to be able to tune. If you have a 2016-to early 2018, you will need to replace your TCU with the newer version. One good way to know if your TCU is good is if you have auto upshift in manual mode in 1st gear around 6500 rpms. If your manual 1st gear goes to 7k rpm and will hit the rev limiter unless you shift, you have the older TCU.   Why do I need to buy another ecu license/phone flash if I already have it on my ECU tune? The TCU is its own computer module. It is completely separate from the ECU. Because of this, you will be required to purchase a TCU license and, if your tuner has it, the phone flash license required to tune it via phone/bluetooth.   Do I need TCU tuning? TCU tuning is NOT required. However, the faster your setup, the more it will assist in track and dragy time consistency.   If I’m ECU tuned by (tuner A) can I get my TCU tuned by (Tuner ? Yes, since it’s a different module and a completely separate flash, you can have two different tuners. However, it is highly recommend that you have both tuned by the same tuner. For me, my TCU tuning will directly complement my ECU tuning style and features and running my ECU and another TCU or vice versa MIGHT cause some issues. At this time and for the foreseeable future, I will only be tuning my current ECU tuned customers TCUs.     I have a SYVECS AWD controller. Do I still need it? Yes! The AWD controllers main job is to control your AWD system. However, with TCU tuning, you will no longer need the auto-shift function as that will be done through the TCU. The AWD controller will still be very beneficial for racers looking to maximize traction on the launch.     Shift schedule changes: holding gears longer at lower pedal input as well as max shift rpm changes. Please note, the new ECU race rom coming out will address 90% of the shitty drivability issues these cars have through custom maps from myself and Racebox—as well as others I am sure.   Increase shift speeds: as seen in the videos I’ve been posting, the TCU shifts much faster once tuned.   Increased shift pressures: as also seen in the videos, much firmer full throttle shifts.      
    • The fancy pants red shock tower brace is finally incoming from MX5 Mania, getting it shipped from 'Merica has been a long and problematic process, and GWR, the 'Merican supplier will not ship directly to consumers outside of the US, Mania basically had to order a heap of them, the colour choice was silver, or red, and we all know anything red adds 5 killerwasps of dynotorques..... Whilst it does fit over a 2.5, and I've seen a few photos and videos of it being installed and fitting, google also says it might get real close to the FAB9 intake front runner, people in the US says it does fit with the FAB9 intake, except for one person who said it slightly touched.......so there is that.....LOL..... As it seems that I am the first in AU to have this combination of parts there's no local knowledge about fitment, so I'm just a willing guinea pig in this endeavour, I'll cross my fingers and toes and hope for the best In other news, I ordered stuff from China  on the same day I ordered the 23° silicone bend from Victoria, the stuff from China arrived a day ago, the 23° silicone bend is still travelling around Australia thanks to Australia Post, and "may" be here next week
×
×
  • Create New...