Go Back  British Expats > Living & Moving Abroad > Australia
Reload this Page >

Getting a credit card in Aus

Getting a credit card in Aus

Old Feb 2nd 2015, 8:58 am
  #1  
BE Enthusiast
Thread Starter
 
steen1976's Avatar
 
Joined: Feb 2009
Location: Windy place
Posts: 421
steen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud ofsteen1976 has much to be proud of
Default Getting a credit card in Aus

Hi folks,

Just wondering what peoples experiences are in getting a credit card over here? I.e. how easy?

Just applied for one and it got 'referred'.

Earn more than enough for it and and have been with employer for four years. Have PR but counting against I think is that we've only been renting in current address for 9 months and have moved twice in 3 years before that. Also don't have Aus drivers licence (only got PR a month ago). Also have no other credit aside from phone contracts etc.

Is the lending criteria pretty strict? Or would you generally expect that to be OK?

Not a fan of credit cards as such and only want it to pay for flights back to UK. It's a rewards card and got some good extras on it. Worth about $350 after taking off the annual fee.

steen1976 is offline  
Old Feb 2nd 2015, 9:52 pm
  #2  
Addicted to browsing BE
 
goldchoccycoin's Avatar
 
Joined: Oct 2005
Location: Brisbane, QLD
Posts: 2,046
goldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond reputegoldchoccycoin has a reputation beyond repute
Default Re: Getting a credit card in Aus

Hi, I think you'll be fine. Credit card applications are often referred while they check your employment with your company HR. This is my experience anyway. Usually takes a day or two and then you should get an email with your 'success'!

I had no issues getting a credit card as a PR with regular house moves and fairly new employment history.

Best of luck.
goldchoccycoin is offline  
Old Feb 2nd 2015, 11:14 pm
  #3  
Forum Regular
 
Joined: Jan 2012
Location: London UK
Posts: 134
winston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to beholdwinston_1 is a splendid one to behold
Default Re: Getting a credit card in Aus

Originally Posted by steen1976 View Post
Worth about $350 after taking off the annual fee.

Do credit cards in Oz have an annual fee then?
winston_1 is offline  
Old Feb 3rd 2015, 12:14 am
  #4  
has lost The Game
 
Swerv-o's Avatar
 
Joined: Apr 2005
Location: Chippendale, Sydney
Posts: 8,735
Swerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond reputeSwerv-o has a reputation beyond repute
Default Re: Getting a credit card in Aus

Originally Posted by winston_1 View Post
Do credit cards in Oz have an annual fee then?

Some do, some don't - as always, shop around for the deal that best suits you...


S
Swerv-o is offline  
Old Feb 3rd 2015, 4:06 am
  #5  
Bix
da Bonehead
 
Bix's Avatar
 
Joined: Jan 2004
Location: Lion in da jungle
Posts: 22,767
Bix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond reputeBix has a reputation beyond repute
Default Re: Getting a credit card in Aus

There are a few websites thatdo reasonable comparisons of what credit cards are available. This is one I have been using recently...
Credit Card Comparison | Compare Credit Cards at Credit Card Finder


I've also used this site to check my credit rating. It's free.
https://www.getcreditscore.com.au/
Bix is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell or Share My Personal Information -

Copyright © 2023 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.