Credit Card application form

Transcription

1 Credit Union Australia Limited ABN AFSL and Australian credit licence GPO Box 100, Brisbane QLD 4001 P W cua.com.au Credit Card application form Use this form to: Change your home loan to another CUA home loan product. Use this form to: Apply for a CUA credit card. Before you apply, check out all the details of our credit cards at cua.com.au, to help choose the card that s right for you. You can also refer to the attached Key Facts Sheet to compare our cards. All questions and sections of this application MUST be completed. Failure to do so may cause a delay in processing your application. Please print and use a black ink pen. 1 MINIMUM APPLICATION CRITERIA Before proceeding with the application, please confirm the following: I am at least 18 years of age I am a permanent Australian resident I am not currently bankrupt Note: In order to apply for a CUA credit card, you must meet these requirements. 2 YOUR CREDIT CARD Low Rate Credit Card (minimum credit limit 500) Platinum Credit Card (minimum credit limit 5,000) Brisbane Heat Branded Low Rate Credit Card (minimum credit limit 500) Brisbane Heat Branded Platinum Credit Card (minimum credit limit 5,000) 3 YOUR DETAILS Are you an existing CUA member? Yes Member number: No Title: Surname: Given name(s): Date of birth: Home phone: Mobile phone: Work phone: address: Driver s licence number: State of issue: Number of dependents: Age of dependents: Marital status: (pick one) Married Single Defacto Divorced/Separated Widowed Is your spouse dependent on you? Yes No Residential status: Home owner Mortgage Renting Living with parents Boarding Current residential address (PO Box not acceptable) Time at this address: years months Unit number Street number: Street name and type: Previous residential address (if current address is less than 5 years) Time at this address: years months Unit number Street number: Street name and type: Details of nearest relative/friend in Australia (not living with you) Name: Address: State: Postcode: Contact number: Their relationship to you: Credit Union Australia Limited Credit Card Application Form Page 1 of 5

2 4 FINANCIAL HISTORY Have you ever been bankrupt or insolvent? Yes No Have you ever entered into a scheme of arrangement with creditors under the Bankruptcy Act? Yes No Are there any judgements, garnishees or other legal proceedings against you? Yes No If you answered yes to any of the three questions above, please provide details: 5 EMPLOYMENT DETAILS Employment status Full time Part time Casual Contract Self-employed Seasonal Employer name: Occupation: Employer address: Time with employer: years months Previous employer details (if less than 3 years with current employer) Employment status Full time Part time Casual Contract Self-employed Seasonal Employer name: Occupation: Employer address: Time with employer: years months 6 FINANCIAL DETAILS Gross fortnightly income: Other gross fortnightly income (e.g. rent, dividends, interest, investments): Assets Property Vehicles Household effects Savings Other Value Liabilities Your share of monthly payments Balance owing Property loan 1 Property loan 2 Other loans and liabilities Total credit/ store cards Are there any foreseeable changes to your circumstances that may impact your ability to meet your financial commitments (e.g. decrease in income, increase in expenses)? If yes, please provide details: Yes Limit No Expenses Rent/board Rates & utilities (e.g. power, gas, water) Phone, mobile & internet Groceries & General Household expenses Transport & vehicle expenses Insurance & medical expenses Child care (after rebate) Child support/ Private school & tertiary education Entertainment (e.g. pay TV, restaurants) Other Expenses Your share of monthly payments Credit Union Australia Limited Credit Card Application Form Page 2 of 5

3 7 REQUESTED CREDIT LIMIT Please specify your preferred credit limit: Product minimums are: Low Rate Credit Card Platinum Credit Card - 5,000 Note: The credit limit we offer you may be lower than your preferred limit. We will offer the highest limit we can (up to your preferred limit) based on your application and our lending policy. 8 CUA CREDIT CARDS PRIVACY NOTICE In this privacy notice, we, us, our means Credit Union Australia Limited ( CUA ). References to your information are to personal information about you, including credit information and credit eligibility information. How we collect your information We may collect your information directly or from third parties. Those third parties are listed below. Why we collect your personal information We use your information to identify you, assess your credit worthiness, to set up and manage your membership, accounts and relationship with CUA (including related rewards and insurance programs) and to undertake research and development. In many instances, collection of your information is required by law, for example, under the Anti- Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act Without collecting your information we may be unable to provide you with our products. We also use your information for other purposes, including keeping you informed about products and services issued and distributed by CUA or our related entities. Who we share your information with We may collect and disclose your information to and from third parties, including: Our agents, assignees and contractors. Our service providers including those used for identity verification, software/it support, account management (including payments), mailing material to you, member and product research and accounting, legal and audit services. Your referees, employers and tax agents. Government agencies when authorised or required by law. Courts and dispute resolution schemes. CUA Group entities which include CUA, Credicorp Insurance Pty Ltd and CUA Health Limited. Credit reporting bodies and other credit providers. Other organisations with your consent. Managers and funding providers of securitisation facilities. Insurers and re-insurers for policies taken out through CUA. Organisations involved in the administration of our rewards program. Debt collection agencies. Limited information, including your name and contact details, may also be shared with data aggregators and analysts (including social media and virtual community providers) to help us provide you with more personalised and timely communications. If you don t want us sharing your information in this way please let us know and we won t share your information in this way. Privacy Consent By submitting this application, you consent to: CUA receiving your information from and disclosing your information to credit reporting bodies and other credit providers. Contacting your employer or tax agent to confirm your income and employment details. Privacy Policy The CUA Group Privacy Policy, at or in hard copy on request, sets out: How you can access your information. How you can correct your information if you believe to be inaccurate or incomplete. Credit reporting including the name and contact details of credit reporting bodies to which we disclose your information, the types of information we disclose and your rights in relation to that information. What to do is you believe that we have breached the Privacy Act, Australian Privacy Principles or the Privacy (Credit Reporting) Code, and how we will handle your complaint. Some of the entities we share your information with are located overseas. More information on which countries these organisations may be located in is in our CUA Group Privacy Policy. Privacy Queries Queries can be referred to our Privacy Dispute Officer by ing privacydisputes@cua.com.au, phoning , or writing to GPO Box 100, Brisbane QLD ACKNOWLEDGEMENTS AND CONSENTS I agree to each of the acknowledgements, consents, declarations and warranties set out below: I have read the CUA Credit Cards Privacy Notice and consent to my information being collected, held, used and disclosed in accordance with the Privacy Statement (CUA Group APP & Credit Information Policy) and as otherwise permitted by law. Where I have supplied CUA with personal information about another individual (eg. an employer or referee), I have made that person aware that CUA may contact them in relation to my application or account. I agree to information about me which has been provided to CUA being checked, for identification verification purposes, with any government agency or entity that holds information about me. I certify that I can afford this credit card without enduring any hardship. I acknowledge that by accepting this application CUA is not obliged to grant a credit card. I acknowledge that CUA may receive or pay commission for my introduction to it. I acknowledge that if my application is approved, and I am not already a member of CUA, a CUA membership and transaction account will be opened in my name. Credit Union Australia Limited Credit Card Application Form Page 3 of 5

4 9 ACKNOWLEDGEMENTS AND CONSENTS - CONTINUED I declare that any information that I provide to CUA during our relationship will be true and complete and that I will not withhold any information on my financial position or commitments, or any change in my financial position or commitments that may be of interest to CUA. I agree that CUA may send me loan documentation, notices and statements electronically. I understand that: - CUA will not post me paper notices or statements (except where the law does not allow electronic communication); - I will check my nominated account regularly and advise CUA if my or mobile phone number changes; and - I can revert to receiving paper statements and notices at any time by contacting CUA. I agree to CUA contacting me by , SMS or telephone in relation to my account and application. Note: If you do not wish to receive marketing communications from us, please let us know by calling us or visiting your CUA branch. Signature: Date: DOCUMENT CHECKLIST Please attach copies of the following documents and indicate by ticking the relevant box(es): Full or part time employees Self employed Casual, temporary or contract employees Last payslip OR Last full financial year Tax Assessment Notice Last 2 months payslips OR Letter of employment Letter of employment Once you have completed this form: it to: creditcardapplication@cua.com.au Drop it into a branch Mail it to: Credit Card Applications GPO BOX 100, Brisbane QLD 4001 We re here to help If you need assistance completing this form, call us on or drop into your local branch. OFFICE USE ONLY Application number: _ Credit Union Australia Limited Credit Card Application Form Page 4 of 5

5 Key facts about this credit card CORRECT AS AT 17 DECEMBER 2018 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act DESCRIPTION OF CREDIT CARD Product Name CUA LOW RATE CREDIT CARD CUA PLATINUM CREDIT CARD Minimum credit limit 500 5,000 Minimum repayments Your minimum repayment for each month will be calculated as the amount that is the greatest (or equal greatest) of: 35; or 3% of your Closing Balance; or your Overlimit Amount (if any). If the Closing Balance on your Account is less than 35, the minimum repayment will be the Closing Balance. Interest on purchases* 11.99% p.a % p.a. Interest-free period Up to 55 days for amounts that form part of the Purchases Balance Interest on cash advances 21.74% p.a % p.a. Balance transfer interest rate* Refer to Interest on cash advances (or any applicable promotional offer). Annual fee* Late payment fee * Promotional offers may apply from time to time. Credit Union Australia Limited ABN Australian credit licence There may be circumstances in which you have to pay other fees. A full list of current fees applicable to these credit cards can be obtained from For more information on choosing and using credit cards visit the ASIC consumer website at The terms on which this credit card is offered can change over time. You can check if any changes have been made by contacting us on Credit Union Australia Limited Credit Card Application Form Page 5 of 5