Credit Cards
Apr 21st 2018, 10:16 pm
#1
Just Joined
Thread Starter
Joined: Apr 2018
Posts: 3
Credit Cards
Have been refused credit cards in Oz being told that since all my income is UK based( Pensions), I am not allowed a CC. Anyone know of this, or ways round it?
Thanks
Thanks
Apr 21st 2018, 11:58 pm
#2
Lost in BE Cyberspace
Joined: Feb 2005
Posts: 15,526
Re: Credit Cards
Do you have a Medicare, Aus Drivers license, Rental income history, own or buying property or Australian tax file number?
Because if you have any of those missing that's as much of an issue as anything else.
The best way around it is to start of with a Debit Card, with Visa or Mastercard access and build yourself some history with the card.
A short quick personal loan say 12months from a building society or credit union could also help.
If you own your own place as a pensioner, then is should be easy to get short term loan, just to build a credit history. There's some boxes that need ticking that's all.
Anotherway, is try buying something from Harvey Norman on one of their 60 month interest free plans, then start paying it off early, they'll shift heaven and earth to get a sale. Et Voila, instant credit history.
Because if you have any of those missing that's as much of an issue as anything else.
The best way around it is to start of with a Debit Card, with Visa or Mastercard access and build yourself some history with the card.
A short quick personal loan say 12months from a building society or credit union could also help.
If you own your own place as a pensioner, then is should be easy to get short term loan, just to build a credit history. There's some boxes that need ticking that's all.
Anotherway, is try buying something from Harvey Norman on one of their 60 month interest free plans, then start paying it off early, they'll shift heaven and earth to get a sale. Et Voila, instant credit history.
Last edited by ozzieeagle; Apr 22nd 2018 at 12:05 am.
Apr 23rd 2018, 10:11 pm
#3
Spud
Joined: Feb 2011
Location: Avoca Beach
Posts: 565
Re: Credit Cards
UK credit card and internet banking. My missus has been here 20 years and still uses a Nat West CC.
Apr 28th 2018, 1:18 am
#4
Just Joined
Thread Starter
Joined: Apr 2018
Posts: 3
Re: Credit Cards
Does this attract bank charges?
May 1st 2018, 2:22 am
#5
has lost The Game
Joined: Apr 2005
Location: Chippendale, Sydney
Posts: 8,735
