Credit Card Finder® – Compare Australian Credit Cards

23 Responses to Credit Card Finder® – Compare Australian Credit Cards

1. 

   Amanda | June 27, 2017

   I have been out of bankruptcy for over two years now and have a credit score of 715, what are my chances of getting a credit card and who would be the best to try.

   Reply
   • Staff

     May | June 27, 2017

     Hi Amanda,

     Thanks for reaching out.

     If you have filed bankruptcy before, I’m afraid that it may be hard to get or apply for credit card, although there are banks would assess your current financial circumstances and credit history before they would consider your application. So if you’d like to try (any of the credit cards listed above), I would suggest that you review the criteria and eligibility of the card and contact the bank/credit card issuer first before submitting a final application.

     Meantime, you may like to read our article here on getting a credit card with bankruptcy, which might be useful.

     Cheers,
     May

     Reply
2. Staff

   Jonathan | June 25, 2017

   Hi Melissa!

   Have you checked you recent credit score? If yes and you still have maintained a good score, you’re awesome! :)

   Minimum requirements are posted on this page. We also have some tips for your card application.

   You can apply for this card directly thru CommBank website.

   All the best!

   Cheers,
   Jonathan

   Reply
3. 

   | June 22, 2017

   Am I likely to be successful for a CBA minimum credit limit card as I work part time earning net $27K. I currently have savings around $3K and no debts.

   Reply
   • Staff

     Jonathan | June 22, 2017

     Hi Melissa!

     Determining your approval would depend on variety of factors such as your ability to pay, income, credit score, employment details and existing accountabilities.

     You can talk to CommBank or use their card comparison tool on their website to identify which card type suits your personal situation.

     Hope this helps.

     Cheers,
     Jonathan

     Reply
4. 

   | June 1, 2017

   Hello Finder
   Thank you for answering my previous question. I have another one.
   Which card companies offer a supplementary credit card (one for me and one for my wife), with all the responsibility lying with me?

   Reply
   • Staff

     Jonathan | June 1, 2017

     Hi Daniel!

     Thanks for getting back.

     Almost all credit card issuers give an option to avail supplementary cards to maximize credit utilization. However, please take note that only the primary cardholder is responsible paying the purchases made on those cards. Therefore, if you want to be the sole responsible for the purchases, you may apply as the primary cardholder and have your wife as a supplementary cardholder.

     Hope this clarifies.

     Cheers,
     Jonathan

     Reply
5. 

   Georgia | March 28, 2017

   It’s my first time applying for a credit card, how do I know which one to choose? I’m currently with people’s choice, will it matter if I have a credit card with a different bank?

   Reply
   • Staff

     Chester | March 29, 2017

     Hello Georgia.

     Thanks for your question.

     Before doing anything else please make sure to read thru the importance of owning your first credit card on this will help you understand the pros and cons of owning a credit card as well as get a few tips and basic information that you may need to know of owning one.

     Where you apply for a credit card is a personal choice based on your financial circumstances. However, there is no reason that you must apply with your current lending institution. This could make it easier to have all of your banking information in one place, but you could be missing out on a better offer from a different bank or lender. Use the finder.com.au Credit Card Comparison tool to explore all of your available options.

     Please make sure to read and understand the terms and conditions or the product disclosure statement before selecting a particular product.

     Regards,
     Chester

     Reply
6. 

   Glen | March 24, 2017

   Hi,

   I am looking for a balance transfer credit card and I currently have a St. George credit card. Can I do balance transfer from my current credit card to a St. George Vertigo credit card?
   Reading the Terms and Conditions was a little confusing. Can I pay this off over the 12 month period?
   Is there a better option?

   Kind regards,
   Glen

   Reply
   • Staff

     Jason | March 25, 2017

     Hi Glen,

     Thank you for your enquiry.

     Unfortunately, you cannot do balance transfer to St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards with your current credit card since these credit card brands are owned by the same credit card issuer. Please check out this link for information on the credit card brands that you may do balance transfer with.

     Please check out this link for a comparison of balance transfer credit cards that might fit your needs and requirements. Please ensure to read the eligibility criteria, features and details of the credit card, as well as the relevant PDS/T&Cs of the credit card before making a decision and consider whether the product is right for you.

     I hope this helps.

     Kind regards,
     Jason

     Reply
7. 

   | March 23, 2017

   I got a call from one of the lender to increase my credit card limit. If I increase my credit limit, will it have an effect on my credit rating?

   Reply
   • Staff

     Harold | March 23, 2017

     Hi Gautham,

     Thank you for your question.

     Typically, your credit score will improve when you increase your credit limit because more available credit generally means a lower credit utilisation ratio (the amount of credit used compared to the amount of credit available).

     I hope this has helped.

     Cheers,
     Harold

     Reply
8. 

   Jacob | February 25, 2017

   Hi. Which credit cards offer Apple Pay?

   Thanks,
   Jacob

   Reply
   • Staff

     Jason | February 26, 2017

     Hi Jacob,

     Thank you for your enquiry.

     Please check out this link for a comparison of credit cards that offer Apple Pay and a guide on how to make contactless payments with your iPhone.

     Kind regards,
     Jason

     Reply
9. 

   gordon | February 8, 2017

   is it possible to obtain a personal loan to pay out existing credit card debt, and then payout the personal loan.

   Reply
   • Staff

     May | February 8, 2017

     Hi Gordon,

     Thanks for reaching out.

     Yes, it is possible to take out a personal loan (through debt consolidation) to pay your existing credit card debts and other loans. If you’d like to discuss your debt consolidation options and approval, you’d be best to get in touch with a lender featured on this page.

     Alternatively, if you may reconsider, the other option to pay out your credit card debts is through balance transfer, where you’d be able to take advantage of the 0% interest for a limited period. You can compare your balance transfer options on this page. Please note though that it’s important to review the eligibility criteria and features of the balance transfer card before applying or making a final decision.

     Hope this helps.

     Cheers,
     May

     Reply
10. 

    N | January 2, 2017

    How can people have bad credit if they’ve never had a loan or a credit card?

    Reply
    • Staff

      Anndy | January 2, 2017

      Hi Limitededition,

      Thanks for your question.

      There are other possible reasons for getting a low credit score. We have listed them on this page.

      You may also request a free credit report so you’ll know what are listed on your credit history. If there are any errors on your report, you can also directly contact Veda to request the necessary corrections.

      Cheers,
      Anndy

      Reply