MadEngineer:

 

...

 

Asparagus rolls?  *blergh*

 

....and it makes your wee smell funny.

networkn:

 

They know and don't care if you game it, it's simply about getting people to get the card. Most people either lack the discipline or resources to pay their cards off every month in full, so interest overall will well and truly cover the losses they make short term. 

 

You’re right and TBH I am aware of that.

In my case, I’ve had a CC ever since they became commonly available and have never paid a cent in interest on it.

Welcome to the world of points hacking and churning. I couldn't find the exact promotion for some reason?

Note that there is a fee of $20/6 months, so they get that back. They also get >1% of spend back from the merchants, although that's not much. You probably don't get points for purchases of gift cards, cash out, crypto, gambling, and maybe tobacco/alcohol. 

And as a stop loss method, the promotion is probably barred to you if you've held a BNZ rewards card in the last two years.

SomeoneSomewhere:

 

Welcome to the world of points hacking and churning. I couldn't find the exact promotion for some reason?

 

Note that there is a fee of $20/6 months, so they get that back. They also get >1% of spend back from the merchants, although that's not much. You probably don't get points for purchases of gift cards, cash out, crypto, gambling, and maybe tobacco/alcohol. 

 

And as a stop loss method, the promotion is probably barred to you if you've held a BNZ rewards card in the last two years.

 

Maybe it's not publicly available - we have separate Visa Classic cards and they are never used. They are our backup cards for when we are travelling - in case we lose one of our joint-account Visa Platinum cards. The advice of the promotion came by snail mail.

Our arrangement with the bank involves no card fees (and no transaction fees).

We have had the Classic cards for decades - so no two-year barring of the promotion.

Ah, OK, so not a sign-up bonus but a 'please use the card more' bonus. 

I would have thought they'd inhibit that letter if you were already using other CCs from the same bank with reasonable frequency. 

@Eva888:

Smoke alarms need replacing and I am thinking Cavius this time.

Because our super high ceilings are difficult to reach is it viable to stick the alarms up with strong double sided tape on to beams?

gzt: This looks interesting. Comes with 3m mounting tape same company as scotch

https://www.mitre10.co.nz/shop/orca-magnetic-quick-mount-for-smoke-alarms/p/236733

Thanks that looks perfect! Now to buy a black alarm so it melds in to the black beam which is stuck to the ceiling sarking. It means that  the alarm can sit flat centrally in the room instead of on a slant where it didn’t detect anything. 

The last alarm where we had it placed didn’t even squeak when the entire room was billowing with smoke from a pan on the stove.