Chrome, glad you're with me mate, but I'm not going to spill the beans any further, I bet you smiled at the above eh? hee hee!

Crash, not too many times we see Exactly eye to eye but in this case, BRAIN power prevails........

One last ditch effort to give that 1 ton penny a shove,
I used my credit card 5 times today:

(1) I PURCHASED a betting package (tips) from a well known racing site, I receive , well actually NOTHING, (not having a go at any PARTICULAR racing site here)
What I mean is I'm only receiving information that may be good, it may be bad, or I might decide not to use it even though I've paid for it.

(2) I PURCHASE a racing book from a well known gambling site, (they promise to send it by express mail)

(3) I deposit $1000 to my Sportsbet account, they credit my account with $1000, (they receive $1000 cash from my bank less a % commission) but I may decide not to use it, and maybe withdraw the amount later, but if I do use it I may receive no cash whatsoever??

(4) I buy 10 slick picks from the local newsagent, and keep my fingers crossed (11,000,000 to 1, ouch)

(5) I buy a $2 sim card for my mobile + a $300 credit. (Vodafone)

Now, in all cases the 5 merchants here receive CASH from my Bank, I do not receive ANY cash, but...........

my bank (I mean literally) recieves a % commission from all 5 of those Merchants on my purchases, so they are already making money.

Now IF I choose to pay off the outstanding balance b4 the due date I will not pay the bank any interest, but theyve still made money. If I do not then they will also charge me interest.

IF YOURE WITH WESTPAC however,

(1) gambling site, youre hit with 1&1/2% fee instantly + interest at around 16% from day 1, even though the service proved to be a dud so I didn't use it????

(2) Gambling site, its a BLUUDDY book, but I get hit with 1&1/2% fee instantly + interest from day 1, what's more the book never arrives!!!!!

(3) Same 1&1/2% fee instantly + interest from day 1, even though I decide not to have a bet this year.

(4) Same 1&1/2% fee instantly + interest from day 1, even though the missus washed me jeans and the tickets were disintegrated, so not even a chance to win the Mil.

(5) the sim card went the same way as the lotto tickets, theres a $300 credit there but I can't use it, or I may have CHOOSEN not to use it anyway.

Vodofone still gets their cash and the bank still gets their % commission and I still have to pay my credit card off regardless.

Floydyboy, Angry, nothing personal mates but keep going as you are please!!

As a last word I quote Chrome:
The question is not how you fund it, the question is if you can handle it responsibly

BUT, there is more than one way to SKIN a rabbit!

PPS, Angry, WHO do you bank with?