stugots, no it is NOT a cash advance, it's a purchase that's the point, Westpac treat it as a cash advance so you pay 1&1/2% charge instantly + interest from day 1, ***edited*** is the only word for that as the Trader (Sportsbet etc) pay them also a % just the same as a purchase.

CBA & ANZ ( and maybe other banks?) treat it correctly as a purchase, so you have up to 55 interest free etc.

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As what is occurring is not breaking the law, for legal reasons we need to be very careful about any words used to vent one's dissatisfaction. Moderator.