FAQs - McGrath Pink Visa

FAQs



We've compiled a list of questions and answers you might want to know about the McGrath Pink Visa Card. If you don't find the answer to a question in one of the links below, please contact us.

Applying for a McGrath Pink Visa Card


General Card Information


Managing your card




Do I have to be a Community First Member to take out a Visa Credit Card?

Yes. Community First is a mutual financial services organisation which is owned by it Members. It is therefore a requirement that you must be a Member of Community First to be approved for a Visa Credit Card.


How do I become a Member?

All you need to do is complete your Credit Card application and we’ll take care of the rest. We will use the information you provide us on your credit card application to open your Membership, only once your application has been approved.


What information will I need to complete my application?

Following is a list of the information you may be required to provide when completing your application for a McGrath Pink Visa Card:

  • Your personal details and details of a referee (e.g. family/friend)
  • If you intend to do a balance transfer, the details of your existing credit card (i.e. card provider, balance to be transferred, type pf card, card number)
  • If you would like an additional card holder, the details of your additional card holder (e.g. name, date of birth, address and contact details)
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.
  • Bank account details to debit your $2 Member share from (Note: when you become a Member of Community First, we are required to collect $2 from you. This acts as your Member share and is required for you to be eligible to take up our products and services. It is fully refundable should you decide to close your Membership at a later date)

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How do I transfer balances from my other cards to my McGrath Pink Visa

If you are considering transferring your existing credit or store card balances (non- Community First cards) to the Community First credit card all you need to do is complete the Balance Transfer section of the Visa credit card application and submit the details to us. This is done at no cost to you.


How do I add an additional card holder?

You can choose to have an additional cardholder attached to your Community First Visa credit card as along as the person is over 18 years of age. The additional card is configured exactly as your own and you are responsible for its use. The person you authorise to hold your additional card will share your credit limit and you will receive one statement for both cards.


What credit limit can I obtain?

To make applying for a McGrath Pink Visa Card as simple as possible, you have the option of selecting a credit limit of either $2,000 or $5,000. Should you require an alternative limit, you have the option of inputting this amount in your application.

You should always ensure your credit card limit is realistic, taking in to account your capacity to repay your credit card debt. You can also request to have your credit limit decreased at any time (minimum $1,000) if you feel you don't need or can't manage your current limit.


How long does it take to apply?

Applying for a McGrath Pink Visa Card with Community First will take you approximately 10 minutes, provided you have all the relevant information on hand.


How will I know my application has been approved?

Upon approval, we will contact you via your preferred contact number to advise you that your application has been approved.


How will I be helping the McGrath Foundation?

With every Credit Card funded, we will donate half the card’s annual fee ($20) to the McGrath Foundation each year you hold the card. The money raised will go towards the purchase of McGrath Breast Care Nurses to support women with breast cancer and their families.

Find out more about the McGrath Foundation.


How is the interest calculated on my McGrath Pink Visa Card?

Interest is calculated on the daily balance and charged monthly.


How do I activate my card?

To activate your card, call Community First Direct on 1300 13 22 77. Alternatively, login to Internet Banking and select 'Other' followed by 'Card Activation' from the top menu.


What are the fees and charges?

For information on fees and charges that relate to your McGrath Pink Visa Card, click here.

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What will my repayments be?

The minimum payment specified on your monthly credit card statement is the minimum amount you must pay before the due date, if it's not possible for you to pay off any more. Repayments are 3% of the closing balance or $20.00, whatever is the greatest.

Minimum payments are designed to give you some short-term payment flexibility, but it is unwise to rely on making minimum payments as an ongoing way of managing credit card debt. After all, if you only make the minimum payment every month, it could take years to pay off your credit card balance.

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How can I make repayments on my McGrath Pink Visa Card?

There are a range of ways you can make repayments on your Credit Card. If you have a Community First Visa Credit Card, you can make repayments using BPAY. Simply use the our BPAY biller code 118760 and customer reference number provided on your credit card statement.

Alternatively, you can arrange to make your card repayments by payroll deduction, Internet Banking transfer, Telephone Banking transfer, deposit at any of our Financial Services Stores, periodical payment or external credit transfer from another account held at another financial institution.

Find out more information on how you can manage your card


How often will I receive a statement?

Statements are produced and dispatched on a monthly basis. Duplicate statements can be requested at anytime by calling 1300 13 22 77. Account balances are also available through Internet Banking and Telephone Banking.

For your statement history at the click of a button, you can also register for our e-statements service.


What do I do if my card is lost or stolen?

Report lost or stolen cards to the VISA hot-line immediately on 1800 224 004. Once you have cancelled your card, you will then need to order a replacement card by calling us on 1300 13 22 77.


I've forgotten my PIN. How do I get a new one?

Please contact us on 1300 13 22 77 to discuss your circumstances.


What do I do if I am having difficulties making my repayments?

If you ever experience difficulty paying your credit card or other bills, the sooner you take action to manage the problem, the easier it will be to find a solution. Letting credit card debts mount up or juggling cards to make minimum repayments, will only make the situation worse in the future.

If you are having trouble managing credit, you should get in touch with us immediately so we can outline options to help you pay off the debt.


Who do I contact if I have a question about my existing McGrath Pink Visa Card?

You can call Community First Direct on 1300 13 22 77 for any queries in relation to your McGrath Credit Card or any other accounts held with us. A range of information is also available on the Community First website at www.communityfirst.com.au


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Things you should know
Effective 11 August 2009. Community First will donate $20 to the McGrath Foundation from the annual fee for each McGrath Pink Visa card. The McGrath Foundation supports McGrath Breast Care Nurses in rural and regional Australia and educates young women to be breast aware. For more information visit www.mcgrathfoundation.com.au.

All loans subject to lending guidelines. Terms and Conditions fees and charges apply – details available on application.
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