US-> Australia, credit card?
Aug 10th 2006, 10:58 am
#1
Guest
Posts: n/a
US-> Australia, credit card?
If a US citizen were to move to Australia, would there be any US
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
Aug 10th 2006, 9:47 pm
#2
Guest
Posts: n/a
Re: US-> Australia, credit card?
You'll find that US and Australian Banks, Insurance Companies etc happily
exhange (and accredit) information from one another.
And - the most common credit cards in Australia are Visa, Mastercard and
American Express - in that order. They're issued by Australian Banks, and
Credit Unions - but endorsed and usable on the worldwide networks of the
co-issuers.
Australia is a sophisticated, first world economy - with the AUD being the
4th/5th (depending on the month) most traded currency in the world.
Of Course - the potential downside for you - is that if your Financial
History is dodgy - you'll get nowhere fast here!!
"Dave Programmer" <[email protected]> wrote in message
news:[email protected] ups.com...
> If a US citizen were to move to Australia, would there be any US
> companies that would provide Australia credit cards? Just wondering
> since I would imagine not having an Australian credit history might be
> a hudle to overcome if trying to get a credit card from an Aussie
> company.
> Thanks
>
exhange (and accredit) information from one another.
And - the most common credit cards in Australia are Visa, Mastercard and
American Express - in that order. They're issued by Australian Banks, and
Credit Unions - but endorsed and usable on the worldwide networks of the
co-issuers.
Australia is a sophisticated, first world economy - with the AUD being the
4th/5th (depending on the month) most traded currency in the world.
Of Course - the potential downside for you - is that if your Financial
History is dodgy - you'll get nowhere fast here!!
"Dave Programmer" <[email protected]> wrote in message
news:[email protected] ups.com...
> If a US citizen were to move to Australia, would there be any US
> companies that would provide Australia credit cards? Just wondering
> since I would imagine not having an Australian credit history might be
> a hudle to overcome if trying to get a credit card from an Aussie
> company.
> Thanks
>
Aug 11th 2006, 1:01 am
#3
Guest
Posts: n/a
Re: US-> Australia, credit card?
Thanks,
A follow up question. Will Australian institutions then recognize and
use one's US credit history when deciding on issuing credit cards? If
so, then I have nothing to be concerned about.
A bit more info...
I've traveled to Australia many times so am aware of the economy,
acceptance of major credit cards, international networking of ATMs,
etc. I asked my question because, when my Aussie wife moved to the
States, she initially had a difficult time securing a US credit card
because she had no credit history in the US. I'm assuming the same
thing would be true going the other way, which is why I asked my
question. Yes, I have a US credit card, but of course do not get a
break on the exchange rate and also get charged additional fees when
using the card outside the US. Hence, if I relocate to Australia I will
need an Aussie credit card.
Thanks
A Mate wrote:
> You'll find that US and Australian Banks, Insurance Companies etc happily
> exhange (and accredit) information from one another.
> And - the most common credit cards in Australia are Visa, Mastercard and
> American Express - in that order. They're issued by Australian Banks, and
> Credit Unions - but endorsed and usable on the worldwide networks of the
> co-issuers.
> Australia is a sophisticated, first world economy - with the AUD being the
> 4th/5th (depending on the month) most traded currency in the world.
> Of Course - the potential downside for you - is that if your Financial
> History is dodgy - you'll get nowhere fast here!!
> "Dave Programmer" <[email protected]> wrote in message
> news:[email protected] ups.com...
> > If a US citizen were to move to Australia, would there be any US
> > companies that would provide Australia credit cards? Just wondering
> > since I would imagine not having an Australian credit history might be
> > a hudle to overcome if trying to get a credit card from an Aussie
> > company.
> > Thanks
> >
A follow up question. Will Australian institutions then recognize and
use one's US credit history when deciding on issuing credit cards? If
so, then I have nothing to be concerned about.
A bit more info...
I've traveled to Australia many times so am aware of the economy,
acceptance of major credit cards, international networking of ATMs,
etc. I asked my question because, when my Aussie wife moved to the
States, she initially had a difficult time securing a US credit card
because she had no credit history in the US. I'm assuming the same
thing would be true going the other way, which is why I asked my
question. Yes, I have a US credit card, but of course do not get a
break on the exchange rate and also get charged additional fees when
using the card outside the US. Hence, if I relocate to Australia I will
need an Aussie credit card.
Thanks
A Mate wrote:
> You'll find that US and Australian Banks, Insurance Companies etc happily
> exhange (and accredit) information from one another.
> And - the most common credit cards in Australia are Visa, Mastercard and
> American Express - in that order. They're issued by Australian Banks, and
> Credit Unions - but endorsed and usable on the worldwide networks of the
> co-issuers.
> Australia is a sophisticated, first world economy - with the AUD being the
> 4th/5th (depending on the month) most traded currency in the world.
> Of Course - the potential downside for you - is that if your Financial
> History is dodgy - you'll get nowhere fast here!!
> "Dave Programmer" <[email protected]> wrote in message
> news:[email protected] ups.com...
> > If a US citizen were to move to Australia, would there be any US
> > companies that would provide Australia credit cards? Just wondering
> > since I would imagine not having an Australian credit history might be
> > a hudle to overcome if trying to get a credit card from an Aussie
> > company.
> > Thanks
> >
Aug 11th 2006, 1:37 am
#4
Ex Mod (2002-2005)
Joined: May 2002
Location: NSW
Posts: 5,464
Re: US-> Australia, credit card?
Originally Posted by Dave Programmer
If a US citizen were to move to Australia, would there be any US
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
Once you are economically active (euphemism for "taxpayer"), you will find that banks may be less reluctant to approve your credit card application.
Being a PR helps, and some banks like HSBC allow you to put a term deposit with them in exchange for the same credit limit on your card.
Peter
Aug 12th 2006, 12:14 am
#5
Guest
Posts: n/a
Re: US-> Australia, credit card?
You're a 'smart arse' ol' son. Your intial post presented an 'Australian
Virgin' worried about fundamental issues.
Your second post - >>I've traveled to Australia many times so am aware of
the economy,
acceptance of major credit cards, international networking of ATMs,
etc. I asked my question because, when my Aussie wife moved to the
States<<
presents a multi visit veteran to Australia playing games!!
You would know quite well - if you have the visit experience sugested; and
an Australian citizen wife - that Australian financial institutions
accept very favourably duly certified information from American institutions
of real credibility and integrity!!!!
"Dave Programmer" <[email protected]> wrote in message
news:[email protected] ups.com...
> Thanks,
> A follow up question. Will Australian institutions then recognize and
> use one's US credit history when deciding on issuing credit cards? If
> so, then I have nothing to be concerned about.
> A bit more info...
> I've traveled to Australia many times so am aware of the economy,
> acceptance of major credit cards, international networking of ATMs,
> etc. I asked my question because, when my Aussie wife moved to the
> States, she initially had a difficult time securing a US credit card
> because she had no credit history in the US. I'm assuming the same
> thing would be true going the other way, which is why I asked my
> question. Yes, I have a US credit card, but of course do not get a
> break on the exchange rate and also get charged additional fees when
> using the card outside the US. Hence, if I relocate to Australia I will
> need an Aussie credit card.
> Thanks
> A Mate wrote:
>> You'll find that US and Australian Banks, Insurance Companies etc happily
>> exhange (and accredit) information from one another.
>> And - the most common credit cards in Australia are Visa, Mastercard and
>> American Express - in that order. They're issued by Australian Banks, and
>> Credit Unions - but endorsed and usable on the worldwide networks of the
>> co-issuers.
>> Australia is a sophisticated, first world economy - with the AUD being
>> the
>> 4th/5th (depending on the month) most traded currency in the world.
>> Of Course - the potential downside for you - is that if your Financial
>> History is dodgy - you'll get nowhere fast here!!
>> "Dave Programmer" <[email protected]> wrote in message
>> news:[email protected] ups.com...
>> > If a US citizen were to move to Australia, would there be any US
>> > companies that would provide Australia credit cards? Just wondering
>> > since I would imagine not having an Australian credit history might be
>> > a hudle to overcome if trying to get a credit card from an Aussie
>> > company.
>> > Thanks
>> >
>
Virgin' worried about fundamental issues.
Your second post - >>I've traveled to Australia many times so am aware of
the economy,
acceptance of major credit cards, international networking of ATMs,
etc. I asked my question because, when my Aussie wife moved to the
States<<
presents a multi visit veteran to Australia playing games!!
You would know quite well - if you have the visit experience sugested; and
an Australian citizen wife - that Australian financial institutions
accept very favourably duly certified information from American institutions
of real credibility and integrity!!!!
"Dave Programmer" <[email protected]> wrote in message
news:[email protected] ups.com...
> Thanks,
> A follow up question. Will Australian institutions then recognize and
> use one's US credit history when deciding on issuing credit cards? If
> so, then I have nothing to be concerned about.
> A bit more info...
> I've traveled to Australia many times so am aware of the economy,
> acceptance of major credit cards, international networking of ATMs,
> etc. I asked my question because, when my Aussie wife moved to the
> States, she initially had a difficult time securing a US credit card
> because she had no credit history in the US. I'm assuming the same
> thing would be true going the other way, which is why I asked my
> question. Yes, I have a US credit card, but of course do not get a
> break on the exchange rate and also get charged additional fees when
> using the card outside the US. Hence, if I relocate to Australia I will
> need an Aussie credit card.
> Thanks
> A Mate wrote:
>> You'll find that US and Australian Banks, Insurance Companies etc happily
>> exhange (and accredit) information from one another.
>> And - the most common credit cards in Australia are Visa, Mastercard and
>> American Express - in that order. They're issued by Australian Banks, and
>> Credit Unions - but endorsed and usable on the worldwide networks of the
>> co-issuers.
>> Australia is a sophisticated, first world economy - with the AUD being
>> the
>> 4th/5th (depending on the month) most traded currency in the world.
>> Of Course - the potential downside for you - is that if your Financial
>> History is dodgy - you'll get nowhere fast here!!
>> "Dave Programmer" <[email protected]> wrote in message
>> news:[email protected] ups.com...
>> > If a US citizen were to move to Australia, would there be any US
>> > companies that would provide Australia credit cards? Just wondering
>> > since I would imagine not having an Australian credit history might be
>> > a hudle to overcome if trying to get a credit card from an Aussie
>> > company.
>> > Thanks
>> >
>
Aug 12th 2006, 6:54 am
#6
Guest
Posts: n/a
Re: US-> Australia, credit card?
Now, now, I have not had the pleasure of applying for an Aussie credit
card before so certainly did not know Aussie financial institutions
will accept US credit histories as proof of financial
responsibility/irresponsibility. I have only visited Australia to this
point and have not lived there as of yet. I am playing no games I
assure you, if only I had the spare time for that! :)
My wife of course does have an Aussie credit history; the question was
not posted on her behalf but for me, someone who does not have this
history.
I do thank you for the information.
A Mate wrote:
> You're a 'smart arse' ol' son. Your intial post presented an 'Australian
> Virgin' worried about fundamental issues.
> Your second post - >>I've traveled to Australia many times so am aware of
> the economy,
> acceptance of major credit cards, international networking of ATMs,
> etc. I asked my question because, when my Aussie wife moved to the
> States<<
> presents a multi visit veteran to Australia playing games!!
> You would know quite well - if you have the visit experience sugested; and
> an Australian citizen wife - that Australian financial institutions
> accept very favourably duly certified information from American institutions
> of real credibility and integrity!!!!
> "Dave Programmer" <[email protected]> wrote in message
> news:[email protected] ups.com...
> > Thanks,
> > A follow up question. Will Australian institutions then recognize and
> > use one's US credit history when deciding on issuing credit cards? If
> > so, then I have nothing to be concerned about.
> >
> > A bit more info...
> >
> > I've traveled to Australia many times so am aware of the economy,
> > acceptance of major credit cards, international networking of ATMs,
> > etc. I asked my question because, when my Aussie wife moved to the
> > States, she initially had a difficult time securing a US credit card
> > because she had no credit history in the US. I'm assuming the same
> > thing would be true going the other way, which is why I asked my
> > question. Yes, I have a US credit card, but of course do not get a
> > break on the exchange rate and also get charged additional fees when
> > using the card outside the US. Hence, if I relocate to Australia I will
> > need an Aussie credit card.
> > Thanks
> >
> > A Mate wrote:
> >> You'll find that US and Australian Banks, Insurance Companies etc happily
> >> exhange (and accredit) information from one another.
> >>
> >> And - the most common credit cards in Australia are Visa, Mastercard and
> >> American Express - in that order. They're issued by Australian Banks, and
> >> Credit Unions - but endorsed and usable on the worldwide networks of the
> >> co-issuers.
> >>
> >> Australia is a sophisticated, first world economy - with the AUD being
> >> the
> >> 4th/5th (depending on the month) most traded currency in the world.
> >>
> >> Of Course - the potential downside for you - is that if your Financial
> >> History is dodgy - you'll get nowhere fast here!!
> >>
> >>
> >>
> >>
> >>
> >> "Dave Programmer" <[email protected]> wrote in message
> >> news:[email protected] ups.com...
> >> > If a US citizen were to move to Australia, would there be any US
> >> > companies that would provide Australia credit cards? Just wondering
> >> > since I would imagine not having an Australian credit history might be
> >> > a hudle to overcome if trying to get a credit card from an Aussie
> >> > company.
> >> > Thanks
> >> >
> >
card before so certainly did not know Aussie financial institutions
will accept US credit histories as proof of financial
responsibility/irresponsibility. I have only visited Australia to this
point and have not lived there as of yet. I am playing no games I
assure you, if only I had the spare time for that! :)
My wife of course does have an Aussie credit history; the question was
not posted on her behalf but for me, someone who does not have this
history.
I do thank you for the information.
A Mate wrote:
> You're a 'smart arse' ol' son. Your intial post presented an 'Australian
> Virgin' worried about fundamental issues.
> Your second post - >>I've traveled to Australia many times so am aware of
> the economy,
> acceptance of major credit cards, international networking of ATMs,
> etc. I asked my question because, when my Aussie wife moved to the
> States<<
> presents a multi visit veteran to Australia playing games!!
> You would know quite well - if you have the visit experience sugested; and
> an Australian citizen wife - that Australian financial institutions
> accept very favourably duly certified information from American institutions
> of real credibility and integrity!!!!
> "Dave Programmer" <[email protected]> wrote in message
> news:[email protected] ups.com...
> > Thanks,
> > A follow up question. Will Australian institutions then recognize and
> > use one's US credit history when deciding on issuing credit cards? If
> > so, then I have nothing to be concerned about.
> >
> > A bit more info...
> >
> > I've traveled to Australia many times so am aware of the economy,
> > acceptance of major credit cards, international networking of ATMs,
> > etc. I asked my question because, when my Aussie wife moved to the
> > States, she initially had a difficult time securing a US credit card
> > because she had no credit history in the US. I'm assuming the same
> > thing would be true going the other way, which is why I asked my
> > question. Yes, I have a US credit card, but of course do not get a
> > break on the exchange rate and also get charged additional fees when
> > using the card outside the US. Hence, if I relocate to Australia I will
> > need an Aussie credit card.
> > Thanks
> >
> > A Mate wrote:
> >> You'll find that US and Australian Banks, Insurance Companies etc happily
> >> exhange (and accredit) information from one another.
> >>
> >> And - the most common credit cards in Australia are Visa, Mastercard and
> >> American Express - in that order. They're issued by Australian Banks, and
> >> Credit Unions - but endorsed and usable on the worldwide networks of the
> >> co-issuers.
> >>
> >> Australia is a sophisticated, first world economy - with the AUD being
> >> the
> >> 4th/5th (depending on the month) most traded currency in the world.
> >>
> >> Of Course - the potential downside for you - is that if your Financial
> >> History is dodgy - you'll get nowhere fast here!!
> >>
> >>
> >>
> >>
> >>
> >> "Dave Programmer" <[email protected]> wrote in message
> >> news:[email protected] ups.com...
> >> > If a US citizen were to move to Australia, would there be any US
> >> > companies that would provide Australia credit cards? Just wondering
> >> > since I would imagine not having an Australian credit history might be
> >> > a hudle to overcome if trying to get a credit card from an Aussie
> >> > company.
> >> > Thanks
> >> >
> >
Aug 12th 2006, 7:01 am
#7
Guest
Posts: n/a
Re: US-> Australia, credit card?
Thanks Peter,
The reasons you cite are precisely why I do not want to use my US
credit cards after moving to Australia, since I'm not a supporter of
giving credit card companies more money than I have to.
ptlabs wrote:
> > If a US citizen were to move to Australia, would there be any US
> > companies that would provide Australia credit cards? Just wondering
> > since I would imagine not having an Australian credit history might be
> > a hudle to overcome if trying to get a credit card from an Aussie
> > company.
> > Thanks
> There's nothing stopping you from using your US-issued credit cards in
> Australia, but you'll be slapped with the forex and foreign transaction
> charges no doubt.
> Once you are economically active (euphemism for "taxpayer"), you will
> find that banks may be less reluctant to approve your credit card
> application.
> Being a PR helps, and some banks like HSBC allow you to put a term
> deposit with them in exchange for the same credit limit on your card.
> Peter
> --
> ptlabs [at] gmail.com
> Registered Migration Agent 0427067.
> Posted via http://britishexpats.com
The reasons you cite are precisely why I do not want to use my US
credit cards after moving to Australia, since I'm not a supporter of
giving credit card companies more money than I have to.
ptlabs wrote:
> > If a US citizen were to move to Australia, would there be any US
> > companies that would provide Australia credit cards? Just wondering
> > since I would imagine not having an Australian credit history might be
> > a hudle to overcome if trying to get a credit card from an Aussie
> > company.
> > Thanks
> There's nothing stopping you from using your US-issued credit cards in
> Australia, but you'll be slapped with the forex and foreign transaction
> charges no doubt.
> Once you are economically active (euphemism for "taxpayer"), you will
> find that banks may be less reluctant to approve your credit card
> application.
> Being a PR helps, and some banks like HSBC allow you to put a term
> deposit with them in exchange for the same credit limit on your card.
> Peter
> --
> ptlabs [at] gmail.com
> Registered Migration Agent 0427067.
> Posted via http://britishexpats.com
Aug 12th 2006, 5:03 pm
#8
Just Joined
Joined: Jul 2006
Posts: 2
Re: US-> Australia, credit card?
Originally Posted by Dave Programmer
If a US citizen were to move to Australia, would there be any US
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
companies that would provide Australia credit cards? Just wondering
since I would imagine not having an Australian credit history might be
a hudle to overcome if trying to get a credit card from an Aussie
company.
Thanks
So your FICO score means nothing in Australia.
However, credit here is not granted based solely on your score and you will find it is quite easy to get a credit card here after a few months of relationship with a bank.
