Hi all,
I have never applied for a credit card before and would like to know if it is a painful process ie do I have to show all my IP statements and Rental Account statements etcor is it relatively simple?
Hi Fredo
The last time I increased my cc limit they wanted to see all sources of income – including rental statements/lease agreements.
Cheers
Jamie
Jamie Moore | Pass Go Home Loans Pty Ltd
http://www.passgo.com.au
Email Me | Phone MeMortgage Broker assisting clients Australia wide Email: [email protected]
Depends on:
1. Which bank
2. Which card ( gold, plat etc…)
3. The credit limitNormally if you apply for the CC with your own bank that you do banking with they would only ask for payslips and that’s it….very easy and straight forward.
Also since you have a IP- your mortgage lender would provide a free CC most of the time.
Regards
MichaelMick C | Shape Home Loans
http://www.shapehomeloans.com.au/
Email Me | Phone MeSame Banks. Better Rates. Served With a Passion.
Just try from a small limit and you will find it easy. They will also keep sending you letters offering to up the limit every 6 months. I had a cc with a $60,000 limit, but recently ditched it. I now use mainly a debit card from ING – it only works on your own money. No fees etc either
Terryw | Structuring Lawyers Pty Ltd / Loan Structuring Pty Ltd
http://www.Structuring.com.au
Email MeLawyer, Mortgage Broker and Tax Advisor (Sydney based but advising Aust wide) http://www.Structuring.com.au
Yep, it is no different to getting any other type of loan. That said, if you are looking at restructuring any of your home loans, often you can get a 'pre-approved' credit card as part of the process, and a good bank package will allow you to pay no aanual or rewards fees on the cards either. Makes sens to do it at the same time if you can.
Cheers
Well I didn’t get the card I applied for. The lender I applied with was although small very reputable and responsible.
I guess I get annoyed as now I have an unnecessary credit inquiry on my file and have never missed a beat with my IP repayments or bills etc yet other people seem to get credit cards tossed at them.
I may see a lender one of my mortgages are with.
Do you just flat out lie or what lol
Do you know why you got so many enquires? have you gotten a copy of your credit report before ( everyone is entitled to a free copy of their credit file once per year)
Also some smaller lenders will give out credit card for free if your a mortgage holder- simply ask and see if they have one or not.
Regards
MichaelMick C | Shape Home Loans
http://www.shapehomeloans.com.au/
Email Me | Phone MeSame Banks. Better Rates. Served With a Passion.
I don’t have an awful lot but the less the better really
Ray,
You are embarrassing those companies you keep mentioning in every post. So far you have made 14 posts and all providing a link to a related website.
Whats the deal? Are you involved in the company in any way?
Terryw | Structuring Lawyers Pty Ltd / Loan Structuring Pty Ltd
http://www.Structuring.com.au
Email MeLawyer, Mortgage Broker and Tax Advisor (Sydney based but advising Aust wide) http://www.Structuring.com.au
Terry he also has changed his name on a couple of posts hence i have reported the posts.
Me things Ray or whatever his name is has finger in many pies.
On a separate matter. How did you download Flash Player on your Ipad. Did you use Cloud or similar?
Cheers
Yours in Finance
Richard Taylor | Australia's leading private lender
I'm boring .. i went to an online site called Mozo .. it allows you to apply online.
I applied with legitimate credentials and got 7 cards.
Having now abandoned 3 of them .. it was TOO easy to get credit .. but a lot of fun.
They did however change the rules of credit card application and verifiction since … so it may be harder to do that.
But mentioning how I did it cant hurt.
Qlds007 wrote:Terry he also has changed his name on a couple of posts hence i have reported the posts.Me things Ray or whatever his name is has finger in many pies.
On a separate matter. How did you download Flash Player on your Ipad. Did you use Cloud or similar?
Cheers
Yours in Finance
Hi Richard
Looks like the problem solved.
Flash is no problem on the Samsung Tablet that I use now. No more apple products for me.
Terryw | Structuring Lawyers Pty Ltd / Loan Structuring Pty Ltd
http://www.Structuring.com.au
Email MeLawyer, Mortgage Broker and Tax Advisor (Sydney based but advising Aust wide) http://www.Structuring.com.au
Just applied for a card with bankwest, small limit $2k, just to cover my monthly expenses, was trying to link up my interest repayments to it but just found out that is a no no
I called, asked for one, they told me I couldn't have it as I couldn't show incoming and outgoing expesnes (a property deal was underway and I was in financial limbo with money all over the place), low and behold it showed up to my house anyways.
Happily using it frivulously
Ok thanks Terry.
Bought the wife an Ipad for our trip to Canada in a fortnight so she could Skype the kids.
Cant even get PI.com loaded in as it requires Flash and cant seem to find an acceptable alternative.
She wanted Ipad so it could go with her iphone. Wish we had gone the Galaxy route now.
Cheers
Yours in Finance
Richard Taylor | Australia's leading private lender
I still have an iphone and can get that working with this forum. I am able to post on it too, but it is a bit small.
Terryw | Structuring Lawyers Pty Ltd / Loan Structuring Pty Ltd
http://www.Structuring.com.au
Email MeLawyer, Mortgage Broker and Tax Advisor (Sydney based but advising Aust wide) http://www.Structuring.com.au
Same seems ridiclous although i am no tech expert.
Thankfully i have teenage kids to help me with that.
Just a matter of finding them on a good day.
Cheers
Yours in Finance
Richard Taylor | Australia's leading private lender
Qlds007 wrote:She wanted Ipad so it could go with her iphone. Wish we had gone the Galaxy route now.
Nah, it's all good – the iPad is fine. Terry just needs some time to come around
I use it for the forum. It's been ok so far.
There's an app for flash on the iphone called skyfire or something. You might be able to download it for the iPad as well.
Cheers
Jamie
Jamie Moore | Pass Go Home Loans Pty Ltd
http://www.passgo.com.au
Email Me | Phone MeMortgage Broker assisting clients Australia wide Email: [email protected]
Hi Jamie
Yes Skyfire was the way I was going to go.After that i am told my 16 year old we will jailbreak it.
Sounds like an old 70's movie to me but i am told all good.
Cheers
Yours in Finance
Richard Taylor | Australia's leading private lender
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