Ok I will ring them up when I get the chance. It looks like they have no online application anyway! Looks like i'll have to ask for at least a quarter mil credit limit to churn effectively. paying 3000 in brokerage is peanuts really.. its only effectively two 300K trades (1 buy 1 sell, twice) a month.

And yes its a pain in the arse, but they do have the best deal in town for your $500-600 dollar spendings 6 times a month.. but too bad the points expire in 12 mths.