Comments on: St. George Vertigo MasterCard – low balance transfer & purchases offer

By: Jeremy

Jeremy — Tue, 07 Feb 2012 04:05:39 +0000

Hi Michael,

Yes you can still apply for a St.George Vertigo MasterCard even if you haven’t previously held an account with St.George. The St.George online application process will take you to a point where you will have to verify your income and personal details as a new customer. Hope this has helped. Cheers.

Jeremy

By: Michael

Michael — Wed, 01 Feb 2012 00:47:22 +0000

Just wondering if you need to have a St. George bank account before you can apply for this card?

By: Jeremy

Jeremy — Tue, 17 Jan 2012 01:17:35 +0000

Hi Jodie

Thanks for your comment

There is no set limit for the St.George Vertigo MasterCard. Your credit application will determine the credit limit they assign to your account taking in to account your current debts, income, expenses, credit history etc.

Cheers

Jeremy

By: Jeremy

Jeremy — Mon, 16 Jan 2012 09:36:16 +0000

Hi Rory

You are unable to do a balance transfer from a BankSA credit card. You can only do a balance transfer from store cards and credit cards from banks other than BankSA, Bank of Melbourne or St.George

Cheers

Jeremy

By: Jeremy

Jeremy — Mon, 16 Jan 2012 06:46:15 +0000

Hi Neisha

Thanks for your question. You will be able to transfer both cards over to the one credit card. The St.George Vertigo MasterCard offers a joint application online.

Cheers

Jeremy

By: Neisha

Neisha — Sun, 15 Jan 2012 03:49:38 +0000

We have 2 different credit cards at 2 different banks, one where my husband is the primary card holder and the other where I am. Are we able to transfer both balances over to the one card or do we have to apply separately and get a card each?

By: Jodie

Jodie — Fri, 13 Jan 2012 05:34:09 +0000

What is the maximum I can balance transfer? It says 95% of the available credit limit, what is the available credit limit on this card?

Thank you…
Jodie

By: rory

rory — Fri, 13 Jan 2012 02:40:54 +0000

so I have a bank s.a. visa is this able to be used as a balance transfer with you.

By: Jeremy

Jeremy — Thu, 12 Jan 2012 01:06:08 +0000

Hi Adam

Yes it is possible to transfer multiple balances on to the 1 St.George Vertigo MasterCard

Cheers

Jeremy

By: Adam

Adam — Wed, 11 Jan 2012 10:14:57 +0000

Am I able to balance transfer 2 balances from 2 different banks onto the 1 st. george card and receive the low interest rate?

By: Jeremy

Jeremy — Wed, 31 Aug 2011 06:40:41 +0000

Hi Margaret

Thanks for your comment

Foreign currency transaction fees will apply for any overseas transactions – 3% of the amount of each foreign currency transaction.

Cheers

Jeremy

By: Margaret

Margaret — Fri, 26 Aug 2011 23:46:00 +0000

When making an overseas transaction (in another country)do you charge additional fees on top of the purchase? thanks

By: Jeremy

Jeremy — Tue, 26 Jul 2011 06:50:17 +0000

Hi Shaun

Thanks for your question – it’s actually a very interesting one!

Yes you would need to pay the annual fee off to avoid purchase interest.

Cheers

Jeremy

By: shaun

shaun — Tue, 26 Jul 2011 06:03:22 +0000

Hi, when the provider charges the annual fee is this deemed to be a purchase and therefore you have to pay off the full balance not to incur the full interest rate??

By: Jeremy

Jeremy — Thu, 21 Jul 2011 01:30:01 +0000

Hi Brian

Thanks for your comment

It may be worth considering speaking to a St.George customer service representative in one of their branches or over the phone. I have heard of some cases where they were able to get a credit card on a skills business Visa with Commonwealth Bank or Bankwest – you would need to visit one of their branches and take a copy of your Visa for them to review.

They will be able to discuss your situation with you, before you decide to commit to any credit card application.

Cheers

Jeremy

By: Brian Corry

Brian Corry — Tue, 19 Jul 2011 06:36:07 +0000

I am not a Permanent Australian Resident but currently on a skills business visa;. Would I be considered for this offer?

By: Jeremy

Jeremy — Mon, 18 Jul 2011 06:52:12 +0000

Hi Victor

Thanks for your comment.

In the event that you did a balance transfer and repaid the balance within 3 months, and had not made any other purchases during this period of time, any new purchases made would be eligible for 55 interest free days from the purchase date, which would then be charged at the purchase rate.

I strongly suggest you discuss with St.George how interest rates work and are calculated for their credit card accounts, and also discuss the matter of allocation of payments, as this does vary from bank to bank. It is also a very good idea to speak to your financial advisor before making any decision to apply for a credit card.

Thanks again for your question.

Cheers

Jeremy

By: Victor D

Victor D — Wed, 13 Jul 2011 12:27:39 +0000

If I get approved for say a balance transfer of $5000 & I have 9 months where I will be paying only 0.99% but suppose I manage to pay off my credit card in 3 months & then I use the credit card to make purchases, do I still get .99% interest for the remaining 6 months or does the interest jump to the purchase rate of 13.24%??

By: Review Your Spending To See If You Need To Get A Christmas Credit Card | Credit Card Finder

Thu, 03 Dec 2009 04:14:08 +0000

[...] with a $59 annual fee and 4.99% on balance transfers up to 15 months.Â This is a very good rate.Â St.George Vertigo has a standard interest rate of 11.24% and a $55 annual fee with 2.99% on balance transfer as [...]

By: Cheapest Credit Cards Revealed | Credit Card Finder

Cheapest Credit Cards Revealed | Credit Card Finder — Thu, 03 Dec 2009 04:12:54 +0000

[...] St.George Vertigo [...]

By: CreditCardFinder

CreditCardFinder — Tue, 30 Sep 2008 07:12:23 +0000

Dear Reza,
Thanks for your question. In terms of the interest rate after the balance transfer ends this would be the standard variable rate on purchases.
Quote from St.George site: “On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases.”

In terms of what credit limit you would get with your new card I am not sure. You would need to speak with St.George about this.

You will actually transfer the balance from Bank A to your new card therefore your other card will have a zero balance.

By: Reza

Reza — Tue, 30 Sep 2008 06:46:36 +0000

dear customer service
i would like to know what is the interest rate applicable to outstanding balance after the 0% introductory period (ie 6 month)?

a real example:
i have a credit of A$ 30,500 with bank A. i apply for balance transfer of A$ 23,000 (from that bank to your bank), and currently i am paying bank A, a minimum payable repayment, do i have some credit for purchase on the vertigo credit account?

does the balance transfer affect my other credit account in bank A?

Regards and thanks for the prompt reply.

reza