Hi Kymall,
Please allow me to welcome you to the community forum!
If I were in your position, I'd feel just as you do about the limitations of Westpac credit card bank feeds and support. Considering moving to Xero is acceptable, especially if it aligns better with your needs and expectations. It's important to note that the constraints on credit card bank feed for Westpac are primarily determined by the bank itself and are not solely within MYOB's control. However, you still have the option to apply for a bank feed using your Westpac bank accounts or business credit cards. More information about this can be found in this Help article: Setting up a bank feed for a Westpac account.
If there's anything specific, you'd like assistance with or if you have further questions, please don't hesitate to let me know. I'm here to help in any way I can.
Cheers,
Princess