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Bessie Hassan
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Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

1,380 Responses

  1. Default Gravatar
    AndrewFebruary 4, 2018

    Can paying off my credit card by paying more than minimum monthly payments improve my credit score ?

    • Staff
      JoshuaFebruary 11, 2018Staff

      Hi Andrew,

      Thanks for getting in touch.

      Yes, making minimum payments or more to your credit card on time can definitely count an improvement to your credit rating.

      That’s one of the ways on how you can improve your score. You can further learn how to increase your credit rating by reading our article “How can I improve my credit record?” – https://www.finder.com.au/improve-credit-record.

      Cheers,
      Joshua

  2. Default Gravatar
    PankajFebruary 3, 2018

    I have arrived from UK 6 months back. And work on ABN here. Struggling to get a credit card here. Any one you know who takes UK credit history into account which is excellent?

    • Staff
      JoelFebruary 17, 2018Staff

      Hi Pankaj,

      Thanks for leaving a question on finder. There are banks in Australia that will let you apply for a credit card even if you are a temporary resident. The types of cards available and the requirements you need to meet before you can apply may vary based your visa type, your income and other details.

      You can use this guide to compare your credit card options and find out what you need to do to get approved for a credit card while you are in Australia. Please note that banks or credit card companies in Australia will consider your AU credit score only since your credit report overseas is not generally available to lenders across national borders.

      Cheers,
      Joel

  3. Default Gravatar
    DavidFebruary 1, 2018

    What is NBN Fixed Wireless?

    • Staff
      RenchFebruary 11, 2018Staff

      Hi David,

      Thanks for your inquiry.

      I understand that you would like to know about NBN Fixed wireless. It’s similar to Satellite NBN. If you’re in a regional location and cannot get a connection for a fixed line (FTTP, FTTN or HFC Cable) NBN connections, a fixed wireless NBN will be your option.

      Fixed Wireless NBN uses 4G LTE connectivity, similar to the 4G LTE provided by mobile broadband providers.

      You may know more information on this page and compare Fixed Wireless NBN broadband plans.

      Cheers,
      Rench

  4. Default Gravatar
    RhondaFebruary 1, 2018

    I don’t hold a driver’s license nor do I have a flighted passport it well out of date all I have is a 18+ card and a disability pension card Qld I lI’ve also

    • Staff
      JonathanFebruary 23, 2018Staff

      Hi Rhonda, thanks for your inquiry.

      Can you please tell us what product you are trying to compare/ apply for?

      Thanks,

      Jonathan

  5. Default Gravatar
    RohanFebruary 1, 2018

    Hi, I have a single phone bill default (paid) of $600 incurred early last year… plus a couple of credit application hits. How is it possible that I have a score of 437?? I’ve checked my report and everything seems in order, but the score seems way off..

    Thank you

    • Staff
      JonathanFebruary 23, 2018Staff

      Hi Rohan, thanks for your inquiry!

      If you’d like to inquire further about your score please contact Equifax directly on 138 332.

      Thanks,

      Jonathan

  6. Default Gravatar
    JohnJanuary 31, 2018

    i cant change my password

    • Staff
      RenchFebruary 11, 2018Staff

      Hi John,

      Thanks for your inquiry.

      If you are referring to your login password from our finder AU site, you may follow these steps on how to change your password:

      1. Log in with your current email and password
      2. Click on ‘Hello, (your name)’ located on the upper right corner
      3. Click on ‘My Profile’
      4. Click on ‘Account Settings’
      5. Then you may enter your new password and click ‘Save Changes’

      Hope this helps.

      Best regards,
      Rench

  7. Default Gravatar
    MelissaJanuary 31, 2018

    How come credit finder has my score as nearly 700 so who is telling lies

    • Staff
      AshFebruary 16, 2018Staff

      Hi Melissa,

      Thank you for reaching out to us.

      Your credit score will actually differ from other agencies because of the different reporting systems, thus, your rating will change from time to time. The Free Credit Score that you obtain through the finder website is from Equifax. They use the information on your credit file when generating your score. Furthermore, they also utilise the comprehensive version of credit reporting which means that your positive behaviours are also taken into account.

      Meantime, you can also read this page to better understand the result of your credit score.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.

      Cheers,
      Ash

  8. Default Gravatar
    KamJanuary 30, 2018

    I want to transfer money to China but none of the transfer company has Chinese Yuan in the drawdown menu so I cannot sign up to transfer money to a bank in China. Why?

    • Staff
      RenchFebruary 8, 2018Staff

      Hi Kam,

      Thanks for your inquiry.

      You can check this page and see a list of money transfer services that you can use to send money to China.

      You may click on your preferred money transfer service to see more details then click on the ‘Go to site’ button to access their official site and transfer money from there.

      Best regards,
      Rench

  9. Default Gravatar
    DeeJanuary 30, 2018

    I have already tried to contact you re pregnancy cover. I have read almost all pds relating to pregnancy cover but want to know which ones will cover the unborn baby incase of child birth overseas. I will be 26 weeks when travelling so have looked and tick and InsureandGo but both don’t cover baby. Are you able to find one that does?

    • Staff
      JonathanFebruary 23, 2018Staff

      Hi Dee, thanks for your inquiry!

      To compare travel insurance for pregnancy, please see this page.

      Thanks,

      Jonathan

  10. Default Gravatar
    GaryJanuary 26, 2018

    My credit score is -903 if under 250 is bad is it even worth trying to fix this? I’m wanting to re finance my home loan (just want to change banks get better % rate and hopefully get a more manageable monthly repayment amount! Not borrow any $$$$) Am I dreaming to think I would be able to do that with a -908 score?

    • Staff
      JonathanFebruary 22, 2018Staff

      Hi Gary, thanks for your inquiry.

      Improving your credit score is always a good idea for the future of your credit options. If you are looking to refinance your home loan with bad credit, you may like to refer to our guide on refinancing a home loan in arrears.

      Thanks,

      Jonathan

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