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At Community First, we put our members before profit.

Q&A Visa Credit Card


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

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.

What is the maximum credit limit I can obtain?

The maximum credit limit you can obtain is $15,000 subject to our lending guidelines.

How is the interest calculated on my Visa Credit Card?

Interest is calculated on the daily balance, charged monthly.

What will my repayments be on the Visa Credit Card?

Repayments are 3% of the closing balance or $20.00, whatever is the greatest.

How can I make repayments on my Visa Credit Card?

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.

How often will I receive information on my account?

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.

What security is required to take out a Community First Visa Credit Card?

No security is required.

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

Report or lost or stolen card to the VISA hotline immediately on 1800 224 004. To order a replacement card, contact us on 1300 13 22 77.

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

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.

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

In some cases it may be necessary to issue a replacement card. Please contact us on        1300 13 22 77 to discuss.

What are the fees and charges?

Click here is see a full list of our Fees and Charges.

How do I transfer balances from my other cards to my Community First Credit Card?

If you are considering transferring your exisiting 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 additional card holders?

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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