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Do I have to be a Community First Member to take out a Visa Credit Card?
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Community First is a mutual financial services organisation which is owned by it Members or shareholders. It is therefore a requirement that you must be a Member of Community First to be approved for a Visa Credit Card.
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What is the maximum credit limit I can obtain?
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The maximum credit limit you can obtain is $15,000 subject to our lending guidelines.
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How is the interest calculated on my Visa Credit Card?
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Interest is calculated on the daily balance, charged monthly.
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What will my repayments be?
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Repayments are 3% of the closing balance or $20.00, whatever is the greatest.
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How can I make repayments?
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If you have a Community First Visa Credit Card, you can now make credit card repayments using BPAY. Simply use the BPAY biller code and customer reference number provided on your credit card statement:
Alternatively, you can arrange to make your card repayments by payroll deduction, Internet or 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.
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How often will I receive information on my account?
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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 and Phone Banking.
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What security is required to take out a Community First Visa Credit Card?
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No security is required.
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What do I do if my card is lost or stolen?
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Report or lost or stolen card to the VISA hot-line immediately on 1800 224 004. To order a replacement card, contact us on 1300 13 22 77.
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What do I do if I am having difficulties making my repayments?
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If you are having difficulties meeting your repayments, the worst thing you can do is ignore the problem. Please contact us on 1300 13 22 77 as soon as possible to discuss the options available to you.
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I've forgotten my PIN. How do I get a new one?
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In some cases it may be necessary to issue a replacement card. Please contact us on 1300 13 22 77 to discuss.
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What are the fees and charges?
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Click here is see a full list of our Fees and Charges.
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How do I transfer balances from my other cards to my Community First Credit Card?
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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.
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How do I add additional card holders?
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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.
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How do I become a Member?
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All you need to do is complete your Credit Card application and we’ll take care of the rest as part of the application process. You only need to become a Member if your loan is approved and you wish to proceed with it.
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How will I know my application has been approved?
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We will contact you over the phone to advise you whether or not your loan has been pre-approved. We will also let you know what documentation may be required to support your application and get it fully approved. If you apply online, you may also receive an email alert notifying you that your loan has been approved.
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How do I activate my card?
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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.
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If I apply for a McGrath Card, how will I be helping the McGrath Foundation?
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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.
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<Back to Top>
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Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines.
Our product Conditions of Use are available on this website. You should read and consider these Terms and Conditions when deciding to use any product.
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