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New look is better. Maybe more info on why one cannot transfer from an existing credit card to a ‘no frills’ one with the same bank???
Hi My current card has 8000 limit but i want to take adv of low balance transfer citibank and been approved 4500. do I have to pay off existing balance before using new card?
Hello
I currently have a CUA Debit Visa card with a limit of $2000 which is outstanding. I pay $50.00 f/nightly but it does not seem to make an impact on the debt. I am Unemployed at the moment, i am not sure of the interest rate as such. What i would like to know is it possible to consolidate to better/lower interest rate please. Hope you can help much appreciated.
HI David. Making the minimum repayment on your credit card means it’s going to take much longer to pay the card off. The law around minimum repayment information has changed and your bank now has to show on your credit card statement how long it will take to pay you debt making the minimum repayment only. Please consult our balance transfer page for a comparison of the market’s balance transfer credit cards, they are a good option for consolidating multiple credit card debts paying a lower rate of interest. You will also need to be aware that you will need to meet the minimum income requirement to be successful in any future card applications. Thanks.
Could you please advise me which banks will approve credit cards for people who have had bad credit. I have two entries on my credit file which have been paid. I have already had one application declined from my bank Westpac because of these entries. I don’t want to submit any further applications to any banks that will not consider my application at all. So could you please advise me which banks would be worth while in submitting an application to
Hi Justin. We spoke to a bank about what people with a bad credit history should do when looking to get access to credit. Here’s what they said.
Some lenders have credit cards for consumers who have had a negative mark on their credit history, while others don’t – it can be tricky trying to find out how far a lender will go to support your application. You will need to go in and speak to a bank directly.
Thanks for your question.
Going through the glovebox of my car, I came across 2 WISH gift cards.Unfortunately,the expiry date on 1 of them is 2/8/2011 & the other 22/12/2011.My question to you is:Is there any way in which I may redeem these cards.
Kindest regards,
John Mitchell.
Hi John,
Thanks for the question. Unfortunately once the card is expired, the value can not be redeemed. Hope this helped.
Cheers
Jeremy
I want to balance transfer from my existing credit card.
Looking for the best credit card/s for traveling overseas in terms of low or nil charges when making transactions or cash out.
Thank you.
Hi Georgia,
Good question. Every card provider will charge for currency conversion and cash withdrawal, some charge more than others. Please have a look at our Foreign Currency & International Fees for Credit Cards page – http://www.creditcardfinder.com.au/foreign-currency-international-fees-for-credit-cards.html – for information regarding overseas cash advance fee’s and transaction charges. Cheers
Jeremy
Do you have a search I can use to identify Credit Cards that are available to Temporary Residents? I am here on a 4 year subclass 457 visa and wish to get a credit card.
Hi,
Unfortunately we do not have the facility for that kind of search. Generally speaking nearly all cards will require that you are a permanent Australian resident to be eligible for a card; however, there are instances in which certain sub-classes of visa are accepted, but be sure to check the terms and conditions before starting the process.
Cheers,
Jeremy
If I buy my Australian wilderness tour with my visa card am I covered in case of medical evacuation being required?
Thanks for your assistance
John Hughes
Hi John. You’re going to have to be a little more specific about the type of card you have and how your provider is. Generally speaking, the complimentary insurance covers are for international trips only. Please check the terms and conditions for further information. They can be found online, or within the credit contract that was sent out with your credit card. Thanks for your question.
We have around $36,000.00 in CC debt ranging from 10 o/o thur 23 0/0. My husband job went down in hours, but is now starting to come back up, I ran the figures on both the debt consolidation / balance tranfer calculator. I know I can save on interest either way, but the debt consolidation seems better to me for the extended term.
If I do the debt consolidation, will that hurt our credit? We had 770-800 credit score until recently (now,I think in thw low 700′s) We are in the USA, is there any currency exchange fee? And please give me some advice … I’ve research and found you .. I know we need to do something just to bring us up to par ….Help please.
Thank You,
CL Wolters
Hi Cynthia. Sorry for the delay in this response. If you’re in the USA, your options are limited. Balance transfers are only available between Australian cards and I believe debt consolidation loans are a similar story. Please contact a local lender. Thanks for your question. Jacob.
Hi,some credit cards provide insurances ie earth platinum when flights are purchased with the card.
are you covered using points earnt from the card?ie using FF points to buy flights?
Hi Mike. Yes, you can use your points to pay for flights and other prepaid travel expenses and still be covered by the complimentary insurance policy. Thanks.,
Could someone please tell me how I’m to sign the back of my Visa credit card when the allotted space is less than 2cm long. My name has 18 characters in it and the advice I’ve been given by customer service in the Philippines (?) is to sign half my name. How dumb is that?
Hi. Thanks for your question. You will have to take this one up with your lender. Cheers.
Do I still earn points if I use the credit card to pay the bills. And how many points per $1.
Hi Karen. Thanks for your question. Most cards do offer cardholder the opportunity to earn points when they pay their bills, but it really does depend on the type of card you have and the type of transaction. For instance, some BPAY transaction will be considered a purchase or a cash advance depending on whether they are registered as a BPAY biller – this will also determine whether you can earn points are there are no rewards earnt on cash transactions. Hope this helps.
Does anyone have proof or remember citibank offering zero interest for life on balance transfers. I believed I signed up for one back in may 2011 and 12 months later I found they have been charging me 6.9% and denying that I signed up for anything else. Yet they are unable to provide me with my application form. It was a website signup so I don’t have copies.
Cheers and thanks for any help or recollections.
Hi Patrick,
I am not aware of that particular offering. I am aware that around that time Citibank was promoting their fee free debit card.
All the best
Hi, was curious i I have 2 cc balances, can I transfer both over to one account? Also, if you sign up to a 6/8/12 or 15 month card. Are you locked in for that time frame?
Hi Mel. Thanks for your question. If you’re looking to balance transfer outstanding balances from two credit cards over to a new credit card, you can do this provided that the total amount you wish to transfer is less than the approved credit limit for your new card. When you carry out a balance transfer, you are not locked in by any specific time period, but rather must keep the card open for as long as you owe money on the card. Cheers.
Can you tell me what the ruling is on repayments for credit cards. I have a credit card that has an interest free balance and a monthly payment that goes through for my insurance. This month they have charged me the yearly fee. The payment I made last month has come off the interest free balance while the other balance is accruing interest and will do so until the interest free is paid off. I thought that the ruling now was that the higher interest items were to have the payments applied to them first. I note this is the case with my other credit cards that have interest free periods. It is a Citibank card. Your feedback would be appreciated.
Hi Julianne. Thanks for your question. Changes to the allocation of credit card repayments apply to all credit card contracts entered into after the 1st of July 2012. For more information please check this page. If you have a dispute with your credit card charges, please contact the lender directly to resolve the issue. Cheers.
I’m a single mum and I’ve never had a personal loan or a credit card through any of the major banks or lenders. I’ve been trying to build my credit history for the last few years but I keep getting told that to get a credit rating I need to get credit, but as I am only on a centrelink benefit at this point in time no one will give me any! I was wondering if you could please tell me where the best place to get approved for credit is for someone in my situation?
Hello Carly,
thanks for the question.
I can’t answer where the best place to get approved for credit is, however this page might help in showing some ways good credit can be built.
I hope this answers your question,
Marc.
Hi I currently have AMEX Platinum charge card and AMEX CC Reserve.
I am looking to change issuers as the service level and benefits from AMEX has declined greatly over the years.Current tenure with this card is 17 years. I seek a card that will provide me maximum points each month based on spend and be able to be transferred to Qantas.Not really interested in concierge services but do like travel insurance and travel assistance.
I pay out all balances each month on both cards and will require a high credit limit as expected with having a AMEX Plat charge card.
Obviously no stranger to paying annual fees but expect value for money. Any thoughts or advice would be welcomed.
Thanks in advance
Rod
Hi Rod. It sounds like you have a pretty good idea of what you want from your credit card. If you’re looking for a non-American Express credit card that accrues Qantas Frequent Flyer points and offers insurance coverage, you have a couple of options. Please refer to the Frequent Flyer Credit Card Comparison Page for a detailed comparison and review of these cards. Most of these cards do offer travel insurance, so please take the time to compare these cards to find the one that is right for you. Thanks for your question.
My husband and I currently have a St George joint credit card and wish to do a balance transfer to a low or 0% promotional credit card like the ANZ low rate, however, we cannot find an institution that offers a balance transfer card from a joint card.Any suggestions? PS Love this website!
Hi Jasmin. Thanks for your question. For a list of institutions that offer joint account credit cards check this page. If you have a joint account card, you will need to transfer to another joint account credit card. Cheers.
I have two (fully paid) Defaults in my credit history. Is there any way they can be removed? These were debts that I have now paid off. Please advise, thanks.
Hi Sunil. Thanks for your question. The marks will disappear from your credit file after the set time frame. For instance, some things take five years, other three. Please contact a credit reporting agency for more information. Thanks.
I have migrated to Australia and started my own business in Oct’12. I am looking for personal credit card and one for my business. Will i be eligible for Credit Card?
Hi Ash. You will want to look at the minimum eligibility requirements to see if you can apply. They are listed on a table at the bottom of each card’s review and application page. If you meet these requirements, you can apply for a card. Thanks.
I just wanted to find out whether people living on pension cards are eligible to receive low interest credit cards?
Hi Rhianna. If you can meet the minimum income requirements, in additional to the other eligibility requirements, there shouldn’t be any reason why you can’t get a credit card. Thanks for your question.
how can i get it if I am from Indonesia. please give me a another tutorial if i cant
Hi Eddy. What do you want to know?
Please help with the contact no. to call , as i have lost my application no. and need to check the status of my application.
Hi Richard. Thanks for your question. Please refer to this page – you will need to contact the lender in question to get them to retrieve your application reference number. Jacob.
Are there any extra fees involved in having an American Express velocity Credit Card, if the monthly account is paid in full. Will I be charged by merchants to use the American Express Card?
HI David. Thanks for your question. The only extra charges you will have to pay are when you use your card at a merchant, American Express has slightly higher merchant acceptance fees than Visa and American Express, although it’s only marginal so. Other than this, there are no additional fees for using an American Express Card. This page has more information on merchant charges. Jacob.