Apply for a bcu credit card

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GOOD TO GO?

The following criteria must be met in order for us to accept your application. Please tick the following boxes as applicable.

I am 18 years of age or older *

I am a permanent Australian resident or citizen *

I do not have any outstanding defaults, judgements or am an un-discharged bankrupt *

APPLYING IS EASY

Simply complete our form and based on the information you provide, we will request verification documentation from you. Whilst you're applying, remember we're here to help. If you have questions, call 1300 653 555 (during business hours) and we'll put you straight onto a bcu credit card specialist.

bcu Privacy Notice & Consent - Credit Card

Credit Card Key Facts Sheet

Credit Card General Conditions of Use

NUMBER OF APPLICANTS

How many applicants are there?

Please call bcu on 1300 653 555 if more than 2 applicants.

CREDIT CARD REQUIREMENTS

Type of credit card required

Credit limit required

APPLICANT 1

You may link a bcu access or savings product to this card. Please select a product or select 'None'.

Name to be printed on credit card

APPLICANT 2

You may link a bcu access or savings product to this card. Please select a product or select 'None'.

Name to be printed on credit card

PERSONAL DETAILS

APPLICANT 1

Title (optional)

Please specify

First name

Middle name

Last name

Date of birth

Driver's licence number

bcu member number (optional)

Mailing address

Email (please provide email that is not shared)

Preferred daytime contact number

Marital status

Number of dependants

Age of dependant 1

Age of dependant 2

Age of dependant 3

Age of dependant 4

Age of dependant 5

Age of dependant 6

Residential status

Please specify

Residential address (PO box unacceptable)

Month and year moved to address

Previous residential address (PO box unacceptable)

Month and year moved to address

Current employment status

Current employer's name / business name (if self-employed)

Current employer's contact number

Current employer's address

Current occupation

Accountant's name

Accountant's contact number

Accountant's address

Month and year started current employment e.g. May 2014

Month and year started current retirement e.g. May 2014

Month and year started current unemployment e.g. May 2014

Previous employment status

Previous employer's name / business name (if self-employed)

Previous employer's contact number

Previous employer's address

Previous occupation

Accountant's name

Accountant's contact number

Accountant's address

Month and year started previous employment e.g. Jan 2011

Month and year started previous retirement e.g. Jan 2011

Month and year started previous unemployment e.g. Jan 2011

APPLICANT 2

Title

Please specify

First name

Middle name

Last name

Date of birth

Driver's licence number

bcu member number (optional)

Mailing address

Email (please provide email that is not shared)

Preferred daytime contact number

Marital status

Number of dependants

Age of dependant 1

Age of dependant 2

Age of dependant 3

Age of dependant 4

Age of dependant 5

Age of dependant 6

Residential status

Please specify

Residential address (PO box unacceptable)

Month and year moved to address

Previous residential address (PO box unacceptable)

Month and year moved to address

Current employment status

Current employer's name / business name (if self-employed)

Current employer's contact number

Current employer's address

Current occupation

Accountant's name

Accountant's contact number

Accountant's address

Month and year started current employment e.g. May 2014

Month and year started current retirement e.g. May 2014

Month and year started current unemployment e.g. May 2014

Previous employment status

Previous employer's name / business name (if self-employed)

Previous employer's contact number

Previous employer's address

Previous occupation

Accountant's name

Accountant's contact number

Accountant's address

Month and year started previous employment e.g. Jan 2011

Month and year started previous retirement e.g. Jan 2011

Month and year started previous unemployment e.g. Jan 2011

FINANCIAL DETAILS

APPLICANT 1

SALARY / INCOME

Do you receive a salary or income?

Salary or income after tax

Frequency

OTHER INCOME

(e.g. Dividends, Centrelink payments, Spousal income etc.)

Do you have other income?

Type of income

Amount

Frequency

Type of income

Amount

Frequency

Type of income

Amount

Frequency

Type of income

Amount

Frequency

LIABILITIES / COMMITMENTS

Do you pay a mortgage?

Mortgage payments

Frequency

Total owing on mortgage

Institution

Refinancing?

Mortgage payments

Frequency

Total owing on mortgage

Institution

Refinancing?

Do you pay rent or board?

Rent or board payments

Frequency

Do you have a car loan?

Car loan payments

Frequency

Total owing

Institution

Do you have a personal loan or hire purchase?

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Do you have a credit card, store card or overdraft?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

MONTHLY PERSONAL EXPENSES

Enter '0' if no expense.

^ Do not include any rental property expenses within these expense items.

Declared monthly expenses
(e.g. Clothing, food, petrol, rates^, transport, utilities^, maintenance / repairs^)

ASSETS

Enter '0' if no asset.

Real estate property - home

Details

Real estate property - other

Details

Cash / bank accounts

Details

Shares / investments

Details

Motor vehicles

Details

Furniture and personal effects

Details

Other assets

Details

APPLICANT 2

SALARY / INCOME

Do you receive a salary or income?

Salary or income after tax

Frequency

OTHER INCOME

(e.g. Dividends, Centrelink payments, etc.)

Do you have other income?

Type of income

Amount

Frequency

Type of income

Amount

Frequency

Type of income

Amount

Frequency

Type of income

Amount

Frequency

LIABILITIES / COMMITMENTS

Do you pay a mortgage?

Mortgage payments

Frequency

Total owing on mortgage

Institution

Refinancing?

Mortgage payments

Frequency

Total owing on mortgage

Institution

Refinancing?

Do you pay rent or board?

Rent or board payments

Frequency

Do you have a car loan?

Car loan payments

Frequency

Total owing

Institution

Do you have a personal loan or hire purchase?

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Personal loan and/or hire purchase payments

Frequency

Total owing

Institution

Do you have a credit card, store card or overdraft?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

Card type

Credit limit

Balance

Issuer

Closing?

MONTHLY PERSONAL EXPENSES

Enter '0' if no expense.

^ Do not include any rental property expenses within these expense items.

Declared monthly expenses
(e.g. Clothing, food, petrol, rates^, transport, utilities^, maintenance / repairs^)

ASSETS

Enter '0' if no asset.

Real estate property - home

Details

Real estate property - other

Details

Cash / bank accounts

Details

Shares / investments

Details

Motor vehicles

Details

Furniture and personal effects

Details

Other assets

Details

ADDITIONAL CARDHOLDER

Would you like to add another cardholder to this card (not a joint holder)? Additional cardholder must be at least 16 years of age.

Name to be printed on card

Phone number (preferably mobile)

Is the additional card holder a bcu member?

bcu member number

First name

Middle name

Last name

Date of birth

Residential address (PO box unacceptable)

SERVICE NOMINATION

Because you are applying for this credit card in joint names you may choose to nominate one applicant to receive notices and documents under the National Credit Code on behalf of both of you.

IMPORTANT NOTICE: Each of the persons completing this application is, nevertheless, entitled to receive a copy of any notice or any other document under the National Credit Code. By nominating the other person, you are giving up the right to be provided with the information direct from us. Any of the persons who have completed this application can advise us at any time in writing that they wish to cancel their nomination and accordingly wish to receive directly a copy of any notice or other document under the National Credit Code. Should you each wish to receive a copy of any notice or other document under the National Credit Code, you may select 'Both applicants to receive notices and documents' below.

Applicant nominated to receive notices and documents

CONSENT FOR ELECTRONIC DELIVERY OF NATIONAL CREDIT CODE DOCUMENTS

APPLICANT 1

I consent to your giving me documents such as loan offers, statements and notices electronically. I understand that:

paper documents may no longer be given
electronic communications must be regularly checked for documents
consent to the giving of documents by electronic communication may be withdrawn at any time.

For loan documents, I understand that you must sign any loan offer you give me. I consent to that requirement being met by your attaching the offer document to an email addressed to me.

Yes

APPLICANT 2

I consent to your giving me documents such as loan offers, statements and notices electronically. I understand that:

paper documents may no longer be given
electronic communications must be regularly checked for documents
consent to the giving of documents by electronic communication may be withdrawn at any time.

For loan documents, I understand that you must sign any loan offer you give me. I consent to that requirement being met by your attaching the offer document to an email addressed to me.

Yes

REGISTER FOR eSTATEMENTS

APPLICANT 1

I would like to register to receive eStatements and I:

consent to be notified at the abovementioned email address when my eStatement is ready for viewing
consent to bcu giving account statements to me online
acknowledge that I have been told that, by my giving this consent:
a) paper statements need no longer be given to me; and
b) I must regularly check emails for notice that statements are available online

Yes

APPLICANT 2

I would like to register to receive eStatements and I:

would consent to be notified at the abovementioned email address when my eStatement is ready for viewing
consent to bcu giving account statements to me online
acknowledge that I have been told that, by my giving this consent:
a) paper statements need no longer be given to me; and
b) I must regularly check emails for notice that statements are available online

Yes

BALANCE TRANSFER REQUEST

Would you like to lighten your load with a balance transfer?

CARD 1

Name of bank where your other credit card is held (e.g ANZ)

Card number

Amount to be transferred ^

BPAY biller code

BPAY biller ref/account no.

Member ID (if applicable)

CARD 2

Name of bank where your other credit card is held (e.g ANZ)

Card number

Amount to be transferred ^

BPAY biller code

BPAY biller ref/account no.

Member ID (if applicable)

CARD 3

Name of bank where your other credit card is held (e.g ANZ)

Card number

Amount to be transferred ^

BPAY biller code

BPAY biller ref/account no.

Member ID (if applicable)

BALANCE TRANSFER TERMS AND CONDITIONS

You may at any time request us, and we may agree, to transfer any debit balance of a non bcu-branded Australian credit card, store or charge card account held by you subject to the following terms:

We do not accept balance transfers from any bcu-branded credit cards;
Only Australian issued non-bcu-branded credit/store cards can be balance transferred;
You or the Additional Cardholder (as relevant) are not in default of the terms and conditions applicable to the account from which the transfer is made;
^ The request will only be processed up to 95% of the limit applicable to your card at the time of processing. If you request a higher amount we will only process up to 95% of your current credit limit;
We will process the balance transfers in the order that you request them and we will not be responsible for any delay or any charges in connection with processing a request for a balance transfer;
We will not close a non-bcu-branded card account. If you wish to, or are required to, close a non-bcu-branded card account, you will need to arrange this and;
A request will only be processed to your card account once the card or card account has been activated. If you have just received your card, please activate online via bcu iBank or call 1300 228 228;
A Balance Transfer Fee of $150 applies and will be debited to your card account at the time of Balance Transfer.
If the balance transfer is processed, it will appear on your next statement;
No interest free days apply to any debit to your card account in respect of a balance transfer after the end of the transfer period;
Note - whilst a balance transfer balance exists unless the balance of the most recent statement is repaid in full, any purchases will not have an interest free period. In order to revert to an interest free period for purchases the balance of the account has to be repaid in full (including any balance transfer).

I agree to the Balance Transfer Terms and Conditions

Yes

DECLARATION

All statements made by me/us in relation to my/our loan application are true and correct and I/we shall immediately notify bcu of any change to my/our circumstances during the loan application process.

Yes *

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