Online Credit Card Applications including:
Aussie, ANZ, AMEX, Citibank and More
When applying for a credit card, there are several basic requirements
that you need to fulfill before you are likely to be accepted.
First and foremost, you must be at least 18 years of age, a permanent
resident of Australia, and earning a regular income to be eligible for a
credit card. The typical minimum is around $20,000 before tax, though
this will vary depending on which bank you approach and the particular
credit card you are applying for.
A good credit rating is also an essential requirement for most banks,
and all will check before accepting you. If you have failed to make a
loan/credit card repayment or been declared bankrupt at some point
within the last five to seven years, it is highly likely you have a
black mark against your name and you will not be accepted by most banks.
You can check your credit rating via a number of services for a small
fee, and it can be well worth doing so before applying for a credit
card, especially if you have had financial problems in the past and are
unsure whether or not it has affected your credit rating.
Aside from the basic requirements outlined above, you will also need to
provide personal information such as driving license number (if
applicable), current financial commitments and employer details. Again,
if you cannot provide this information, you are unlikely to be accepted.
Finally, it is important to check the terms and conditions before
applying. Many banks have attractive introductory offers, but their
rates might not be so competitive after the introductory period. You
should also be aware of any additional fees, such as the annual fee
charged by many banks. This can be anywhere from $25 to $100, so may
play a part in helping you decide which bank to apply to.
Stay up-to-date with the latest Australian Credit Card information. |
