Community First Credit Union Credit Cards
Community First Credit Union are well known for providing their customers with great offers. Check out their latest credit card offers, and you too can get a better deal!
Comparison of other Credit Cards with Community First Credit Cards
Community First Low rate Visa credit card
McGrath Pink Visa
Coles No Annual Fee MasterCard
American Express Platinum Edge Credit Card
Coles Rewards Mastercard
American Express David Jones
|Purchase Rate (p.a.)||8.99% p.a.||8.99% p.a.||17.99% p.a.||20.74% p.a.||19.99% p.a.||20.74% p.a.|
|Balance transfer rate (p.a.)||0% p.a. for 6 months||0.99% p.a. for 6 months with 1% balance transfer fee||0% p.a. for 6 months|
|Offer end date||31 December 2013||28 February 2014|
|Cash advance rate (p.a.)||8.99% p.a.||8.99% p.a.||17.99% p.a.||19.99% p.a.|
|Interest Free Days||55 days||55 days||62 days||55 days||62 days||44 days|
|Fees & Charges|
|Annual Fee||$40 p.a.||$40 p.a.||$0 p.a.||$195 p.a.||$49 p.a.||$99 p.a.|
|Balance Transfer Fee||1%|
|Late Payment Fee||$25||$25||$25||$30||$25||$30|
|Over Limit Fee||$30||$0||$15||$15|
|Overseas Emergency Replacement||$175||$175||$0|
|Overseas ATM Balance check||$5||$5|
|Overseas ATM Withdrawal||$5||$5||$4||$5|
|Foreign Currency Conversion Fee (VISA)||2% of transaction value||2% of transaction value|
|Foreign Currency Conversion Fee (MC)||2.5% of transaction value||2.5% of transaction value|
|Foreign Currency Conversion Fee (AMEX)||3% of transaction value||3% of transaction value|
|Gambling Transactions Allowed||No||No||No||No||No||No|
|Additional Cardholder Fee||$0||$0||$0||$29|
|Number of Additional Cardholders||9||1|
|Minimum Age||18 years of age||18 years of age||18 years of age||18 years of age||18 years of age||18 years of age|
|Available to Temporary Residents||No||Yes – Conditions apply||No||No||Yes – Conditions apply||No|
|Credit Rating Requirement||Good||Good||Good||Good||Good||Good|
|Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|Max Credit Limit||$15,000||$15,000||$50,000||$30,000|
Community First Credit Union Credit Cards
Community First Credit Union was established back in 1959. It is the largest credit union based on community and operates throughout the Central Coast and Sydney city regions. For the last 50 years since Community First has been in service members have been able to enjoy top class services and products.
People Helping People
As you can hazard a guess, Community First Credit Union is about helping each other, powered by a live community spirit. Because the company is grounded in a communal spirit it is not required to pay out shares or dividends to investors, nor is it in need to make large profits.
Therefore members can enjoy competitive prices throughout their service and product range.
What Community First Credit Union Can Offer You
Consumers in need of financial services can access a good selection of products through the Community First group:
You can choose from:
- Financial planning services
- Home loans
- Personal loans
- Low rate Visa debit and credit cards
Many of the above have enjoyed great ratings by prestige industry greats such as Money magazine, Your Mortgage Magazine and others in the past years.
Guide to managing your McGrath Pink Visa credit card
Half of the battle of trying to keep a credit card in order is the management of it. It’s easy to lose track of statements, interest rates and outstanding debt when you are busy. Therefore it is important you keep your finger at your card’s pulse at all times.
Account management features
SMS or Email Alerts
For the trendy card holders email or SMS alerts offer the perfect solution to keep up-to-date with your account. Thanks to technology you can be informed about:
- the card balance at day’s end
- when your card reaches a predetermined balance
- when a direct credit and debit is made to your card from a nominated account (wages for example)
- debits or credits to your account based on a nomination cap
- call 1300 13 22 77 to register your interest into these services. Alternatively you can visit a branch or make an online request.
Direct debit is easy with your McGrath Pink Visa. Simply arrange this for any of your regular bills such as telephone, Internet, rates, power. Any irregular or regular payments really. Your service provider can debit these charges directly to your card.
You can make easy BPAY repayments on your very own McGrath Pink Visa card. Use the BPAY Biller code 118760 and the customer reference number provided from your card statement.
Banking with the phone has the advantage that you can do it from anywhere in the world provided you can access a phone line. This service can be accessed 24/7. You simply follow the automated prompts and enter your details. Call 1300 13 16 99 to access this hotline.
- Transfer money between accounts
- Check your account balance
- Check your five latest transactions
- Order a credit card statement
- Get information on interest charges
Internet banking is easy for most people. If you have access to the Net you can check the following:
- View your account transaction history
- Check your account balances
- Get information on earned interest and charges
- Print out or download your history to a database or accounting software
- Arrange fund transfers
- Change or record payment authorities
- Pay for goods and services
- Make a funds transfer to other accounts
To keep your card safe from predators you can select a range of security measures such as PIN, PEN and e-statements to stay up-to-date every day. In addition, Visa’s Verified by Visa seal gives you added shopping protection when using your card online for purchases.
The Pink Visa from Community First is giving owners plenty of options to manage the card with no waiting periods for the shops to open, or having to hold on until Monday. You can be in total control at all hours of the day thanks to the options above.
Joint Venture with the McGrath Foundation
Founded in 2002 by Jane McGrath, the Foundation is built upon Jane’s personal fight with breast cancer. When she was diagnosed with the debilitating disease for the second time in 2003 Jane realised how important it is to have access to breast care nurses for sufferers.
The Foundation has two major objectives:
- To raise funds for hospital placements of breast care nurses
- To educate Australian women about the dangers of breast cancer
To celebrate the existence of the McGrath Foundation, Community First Credit Union has launched the McGrath Foundation Pink Visa card to help make people aware of the cause, and to give back to the community with the help of great features, benefits and savings for the card holder.