Wizard Clear Advantage Credit Card

	Key Features:
	No annual fee. Ever. 4.99% interest for six months on transferred balances. No fees for ATM withdrawals, cash advances or overseas purchases. 18.49% rate on purchases and cash advances Up to 55 days interest free. Apply online and get a decision in minutes.

Answers to frequently asked questions:

How much money can I balance transfer from my existing credit card?
From an existing credit card, you can transfer any amount above $100 up to the amount of your credit limit.

How much cash can I withdraw on my Wizard Clear Advantage card?
If you're withdrawing from an ATM, you're limited to $1,000 per day (and for over the counter withdrawals, $3,000 per day) for security reasons.

Will I be charged a fee for withdrawing cash?
Many credit cards charge up to 2% of the cash withdrawn as a cash advance fee. We charge nothing.

What are the approval criteria for the Wizard Clear Advantage?
Like most financial companies, we work on a credit check system to make sure that we are identifying the right person, to prevent fraud. Our lending criteria take many factors into consideration. We can't provide specific details on our criteria. However, if you're declined for this product, we'll advise you of this in writing.

I've seen other credit card offers that are similar. Why should I choose the Wizard Clear Advantage MasterCard?

For the average Australian, the Wizard Clear Advantage MasterCard is the cheapest* card in Australia today (July 2005). No other credit card offers a low rate, no interest for six months on balances transferred from an existing card, no annual fee, plus no fees on ATM withdrawals, overseas purchases or cash advances.

Once the interest free period is over, what interest rate will I be charged?
If you've paid off the amount you transferred within the six months, you won't be charged any interest. If you haven't paid off the balance, you'll be charged the standard rate of 12.4% on any balance that is still outstanding.

Can the Wizard Clear Advantage credit card be linked to my mortgage?
No, this product can't be linked. If you're interested in a credit card linked to your mortgage, you may be interested in a Wizard MasterCard.

Can I pay my credit card balance at a Wizard branch?
No. Unfortunately our branches aren't set up to handle payments, but you can pay via Direct Debit, BPAY, at Australia Post outlets (a small handling fee will apply) or you can mail a cheque or money order made payable to Wizard Clear Advantage, GPO Box 5373, Melbourne Vic 3001.

Will I ever be charged an annual fee on this product?
No, not at all.

What will my credit limit be?
Our lending criteria takes into account many different factors. The information that you supply in your application will assist us in determining your credit limit, and if your application is approved, we will let you know your credit limit in your welcome pack.

When can I expect to receive an answer on my application?
If you apply online, we can give an answer on your application within seconds in most instances. If you mail us your application, it will take approximately 10 working days from receipt of your application to receive an answer from us in writing.

If my application is approved, when can I expect to receive my card?
It will take approximately 5 working days from receipt of your application to receive an answer from us in writing.

Who do I call if I want to track my application?
You can call our Customer Care Centre on 1300 552 079 to check on your application status.

I have an existing Wizard credit card. Can I transfer my balance to Wizard Clear Advantage?
Yes, you can balance transfer from another Wizard card.

Can I apply for the Wizard Clear Advantage in a Wizard branch?
Our branches do accept applications, but cannot process the application for you. However, you can apply online or print out a PDF of the application form from the website.

What are the fees and charges on this card?
There are no transactional fees and charges on this product. The only time you may incur additional charges is if you pay your statement late, if you exceed your credit limit or if your payment is dishonoured. For full details of these charges, please refer to the financial table in the Welcome Pack you receive with your credit card.

How do I activate my credit card?
When you receive your card, you will need to activate it. Call our Customer Care Centre on 1300 721 540 and follow the prompts. Don't forget to sign your card immediately!

*Source: Cannex