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Seems that way. I mean, they take the cash advance first, fair enough, but they then should deduct that amount form the statement amount as they've already taken it? But, the statement amount doesn't reduce, so once they've taken their cash advance form your payment your payment is technically...

It pays off the "statement" amount, which is always a bit behind the current balance when the statement comes out, so it never really zero's. If it's always been set up this way though, (which mine has), you should never get interest charges (apart from genuine cash advance interest based on...

You're not kidding it's a trap! I've just set up a couple of BPay's for all my cards, I'll whack in an extra lump mid-month each month just to make sure I'm well over the auto-debit statement amount each bill time. I keep very accurate records of my accounts, (I'm a bit OCD like that)...

Absolutely, that's exactly what I'll be doing from now on. Just amazed in 20 years of having credit cards that this has never cropped up for me before, and amazed they are allowed to get away with it. As far as I'm concerned, ticking the pay in full each month box should essentially safeguard...

I've no issue with the cash advance aspect. It's the way the process the payments that's the problem. My account WASN'T debited for less than the total outstanding balance, it was debited for exactly the outstanding balance. The way the chap explained it to me was that, for example, say...

Yep, they waived it. Amazed me though, it's essentially theft by deception in some form. By setting up to pay the full amount by direct debit every month, then that's what should happen. There is no option to tick that says pay full amount PLUS any extra amount to avoid interest...

Just a word of warning, particularity if you have a Woolworth Qantas credit card. Like many people, I use my CC for pretty much all purchases and have it set up to pay off in full by direct debit each month. I've had this card for maybe 3-4 years and always done it this way. Very...