Members Equity Credit Card - Apply Online

This depends largely on the biller, they have the option of accepting a credit card as a method of payment. If they accept credit card payments, the bill payment is processed as a purchase.

How does the 44 day interest free period work?

The 44-day interest free period on purchases is made up of your 30-day (monthly) statement cycle, plus 14 days from the statement date until the due date for payment.

The interest free period you receive will depend on when you make the purchase in the statement cycle. For example, if you make a purchase on the first day of your statement cycle, it will attract the maximum 44 interest free days from the time of purchase to the time the payment becomes due.

Please note: to qualify for the interest free period you must have paid the balance of your previous statement in full and you must pay the current statement in full by the due date.

How can I transfer my other credit card balances to my Members Equity Bank Credit Card?

By transferring the debit balance of your other credit cards into your Members Equity Bank MasterCard you may save yourself hundreds of dollars each year in interest.

How do I add an additional cardholder?

There are no fees for adding additional cardholders. If you would like to apply to add additional cardholders to your Members Equity Bank MasterCard account simply download and print the following form then return it by mail to the address shown.

• Members Equity Bank MasterCard Additional Cardholder Request Form

How many additional cardholders can I have on my Members Equity Bank MasterCard?

You can apply to have up to 8 additional cardholders on your Members Equity Bank MasterCard account. What's more, regardless of whether you have 1 or even 8 additional cardholders you still receive only one statement to manage each month.

How do I increase my credit limit?

As your circumstances change you may wish to increase your Members Equity Bank MasterCard limit to fit with your new lifestyle. You may be eligible to apply for a limit increase if:

• you have held your Members Equity Bank MasterCard for at least 9 months
• your debts have reduced
• your income has increased

If you would like to apply for a limit increase, simply download and print the following form and then return it by mail to the address shown.

• Credit Limit Increase Form

What is a late payment fee?

A late payment fee is charged when 2 consecutive minimum payments have not been made by their due dates.

My Members Equity Bank MasterCard expires this month. How do I get a new card?

Your Members Equity Bank MasterCard will expire at the end of the month stated as the expiry date (ie if the expiry date on your card is "03/07", your card will expire on 31 March 2007). A renewal card is issued at the start of the month on which your card expires. If you do not receive your new card by the 21st day of the month that your card expires, please contact our Customer Contact Centre on 1300 654 998.

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

If your card is lost or stolen whilst you are in Australia, simply phone our Customer Contact Centre on 1300 654 998 to cancel your existing card and arrange for a replacement to be sent to you.

If you are overseas when your card is lost or stolen, you may contact MasterCard Global Service or any financial institution displaying the MasterCard symbol to cancel your existing card and arrange for a replacement to be sent to you.

If my card is lost, stolen or damaged is there a cost for replacement?

If we send you a replacement card by ordinary mail, the card will be issued free of charge. If however, you request that your replacement card be sent to you by courier, an Emergency Card Replacement Fee is payable.

How do I report a problem with my Members Equity Bank Credit Card account?

If you have a complaint or believe an error or unauthorised transaction has been made on your Members Equity Bank MasterCard account, you must call us immediately. You must give us all the information you have to help us resolve your concerns. If we cannot resolve your concern immediately, you will need to complete the form below and return it by mail to the address shown.

• Members Equity Bank Electronic Transaction Dispute Form