h****z
发帖数: 11 | |
j******n
发帖数: 21641 | 2 this one also requires pr status
ask westpac open a transaction account for you, dropple
then request a debit card
by default, that debit card is a Visa debit card
【在 h****z 的大作中提到】
: Try this one:
: http://source.com.au/MasterCard/
|
d*****e
发帖数: 491 | 3 thank you so much
COuld you please tell me what is transaction account?
this one also requires pr status
ask westpac open a transaction account for you, dropple
then request a debit card
by default, that debit card is a Visa debit card
【在 j******n 的大作中提到】
: this one also requires pr status
: ask westpac open a transaction account for you, dropple
: then request a debit card
: by default, that debit card is a Visa debit card
|
d*****e
发帖数: 491 | 4 What I need is the card can be used online,
so I nedd visa or master no matter cc or dc.
why do you like cc so much? |
j******n
发帖数: 21641 | |
d*****e
发帖数: 491 | 6 我是onlineshop啊
很少有用ebay付的吧
而且有些只接受visa或者master的
deposit太麻烦了吧
还要跑银行
why not paypal or just deposite cash directly?
I did deal in ebay for several times. |
d*****e
发帖数: 491 | |
j******n
发帖数: 21641 | 8 那就第2种
don't need be PR
【在 d*****e 的大作中提到】
: Credit cards - Student Visa Card
: Personal details
:
: The following information with a cross was incorrect.
: Australian resident - you must be a permanent Australian resident to apply.
:
: if a student see this
: http://www.westpac.com.au/internet/publish.nsf/Content/PBTSYC+Student
: if not
: http://www.westpac.com.au/internet/publish.nsf/Content/PBTSET+Classic+Account
|
d*****e
发帖数: 491 | 9 谢谢了
我之所以要申请dc而不是cc，主要原因是不符合银行的财务状况标准
实在想不通为什么dc也要pr才能申请，又不会欠银行钱
那就第2种
don't need be PR
【在 j******n 的大作中提到】
: 那就第2种
: don't need be PR
|
j******n
发帖数: 21641 | 10 dc don't need PR
but maybe you need be earning regular money
try others
http://www.visa.com.au/getacard/debit.shtml
anyway, only westpac is national, others all regional ones
poor droople
in fact commonwealth supply student credit card, but it takes time to verify
your credit and/or debt status
【在 d*****e 的大作中提到】
: 谢谢了
: 我之所以要申请dc而不是cc，主要原因是不符合银行的财务状况标准
: 实在想不通为什么dc也要pr才能申请，又不会欠银行钱
:
: 那就第2种
: don't need be PR
|
|
|
d*****e
发帖数: 491 | 11 Stgeorge和unicom是明确对我说只向pr提供dc的。。。。
你是指其他银行的政策是区域性的，每个州不一样？
dc don't need PR
but maybe you need be earning regular money
try others
http://www.visa.com.au/getacard/debit.shtml
anyway, only westpac is national, others all regional ones
poor droople
in fact commonwealth supply student credit card, but it takes time to verify
your credit and/or debt status
【在 j******n 的大作中提到】
: dc don't need PR
: but maybe you need be earning regular money
: try others
: http://www.visa.com.au/getacard/debit.shtml
: anyway, only westpac is national, others all regional ones
: poor droople
: in fact commonwealth supply student credit card, but it takes time to verify
: your credit and/or debt status
|
d*****e
发帖数: 491 | 12 Adelaide Bank (SA) 我那里没有
B & E Limited (TAS) 我那里没有
Bank of SA (SA) 我那里没有
Bendigo (National) 我那里没有
Greater Building Society (NSW) 我那里没有
Elders Rural Bank (National) 我那里没有
Heritage Building Society (National) 我那里没有
Home Building Society (WA) 我那里没有
HSBC (National) 只对loan客户提供
IMB (National) 我那里没有
Laiki Bank (National) 我那里没有
Newcastle Permanent Building Society (NSW) 我那里没有
St George (National) 只对pr提供
Suncorp (National) 我那里没有
Westpac (VIC) 我那里没有
dc don't need PR
but maybe you need be earning regular
【在 j******n 的大作中提到】
: dc don't need PR
: but maybe you need be earning regular money
: try others
: http://www.visa.com.au/getacard/debit.shtml
: anyway, only westpac is national, others all regional ones
: poor droople
: in fact commonwealth supply student credit card, but it takes time to verify
: your credit and/or debt status
|
j******n
发帖数: 21641 | 13 when i mean regional, i mean those banks don't have branches in every states
now i'd add, yes, banks behave differently in different states
for cc, queensland and NT charge extra fees
for westpac, some account don't supply cards except Victoria
maybe bendigo bank is best in your case, but bendigo only open branches in
victoria and/or cities in other states
【在 d*****e 的大作中提到】
: Stgeorge和unicom是明确对我说只向pr提供dc的。。。。
: 你是指其他银行的政策是区域性的，每个州不一样？
:
: dc don't need PR
: but maybe you need be earning regular money
: try others
: http://www.visa.com.au/getacard/debit.shtml
: anyway, only westpac is national, others all regional ones
: poor droople
: in fact commonwealth supply student credit card, but it takes time to verify
|
j******n
发帖数: 21641 | 14 where're you?
some farmers' fund may help you
you only need deposit some shits to their field, :)
【在 d*****e 的大作中提到】
: Adelaide Bank (SA) 我那里没有
: B & E Limited (TAS) 我那里没有
: Bank of SA (SA) 我那里没有
: Bendigo (National) 我那里没有
: Greater Building Society (NSW) 我那里没有
: Elders Rural Bank (National) 我那里没有
: Heritage Building Society (National) 我那里没有
: Home Building Society (WA) 我那里没有
: HSBC (National) 只对loan客户提供
: IMB (National) 我那里没有
|
d*****e
发帖数: 491 | 15 North Ryde
Macquarie Park
Sydney
where're you?
some farmers' fund may help you
you only need deposit some shits to their field, :)
【在 j******n 的大作中提到】
: where're you?
: some farmers' fund may help you
: you only need deposit some shits to their field, :)
|
j******n
发帖数: 21641 | 16 tried amex?
and if you only use cc in OZ/NZ
try bankcard
【在 d*****e 的大作中提到】
: North Ryde
: Macquarie Park
: Sydney
:
: where're you?
: some farmers' fund may help you
: you only need deposit some shits to their field, :)
|
d*****e
发帖数: 491 | 17 bankcard指信用卡的名字
还是那种银行开个户就会给你的那种可以去atm取钱的那种卡啊，这种得话，online不收
的吧
很多online不接受amex的
可能是因为amex消费的款项不是直接到商家的帐上，而是作为对amex的应收帐款
只有master/visa才是畅通无阻阿。。。
tried amex?
and if you only use cc in OZ/NZ
try bankcard
【在 j******n 的大作中提到】
: tried amex?
: and if you only use cc in OZ/NZ
: try bankcard
|
j******n
发帖数: 21641 | 18 Bankcard is similar to visa/master/dinner'sclub/amex/JCB
it's just limited to be used in Australia/New Zealand
most Aus/NZ website business support it
most major banks provide it
maybe you can try apply outside maquarie park
i know bendigo can apply online for its debit account bendigobank.com.au
later they require you fax/mail your identification check (normally done by JP
) to them and ask your deposit some money to activate
收
【在 d*****e 的大作中提到】
: bankcard指信用卡的名字
: 还是那种银行开个户就会给你的那种可以去atm取钱的那种卡啊，这种得话，online不收
: 的吧
: 很多online不接受amex的
: 可能是因为amex消费的款项不是直接到商家的帐上，而是作为对amex的应收帐款
: 只有master/visa才是畅通无阻阿。。。
:
: tried amex?
: and if you only use cc in OZ/NZ
: try bankcard
|
d*****e
发帖数: 491 | 19 那我就试试看吧
bankcard哪里申请？
最好是能申请master/visa
lik-sang只接受这两种卡
Bankcard is similar to visa/master/dinner'sclub/amex/JCB
it's just limited to be used in Australia/New Zealand
most Aus/NZ website business support it
most major banks provide it
maybe you can try apply outside maquarie park
i know bendigo can apply online for its debit account bendigobank.com.au
later they require you fax/mail your identification check (normally done by JP
) to them and ask your deposit some money to activate
收
【在 j******n 的大作中提到】
: Bankcard is similar to visa/master/dinner'sclub/amex/JCB
: it's just limited to be used in Australia/New Zealand
: most Aus/NZ website business support it
: most major banks provide it
: maybe you can try apply outside maquarie park
: i know bendigo can apply online for its debit account bendigobank.com.au
: later they require you fax/mail your identification check (normally done by JP
: ) to them and ask your deposit some money to activate
:
: 收
|
j******n
发帖数: 21641 | 20 all major banks support it
and normally no annual fees
national.com.au
commbank.com.au
anz.com.au
westpac.com.au
【在 d*****e 的大作中提到】
: 那我就试试看吧
: bankcard哪里申请？
: 最好是能申请master/visa
: lik-sang只接受这两种卡
:
: Bankcard is similar to visa/master/dinner'sclub/amex/JCB
: it's just limited to be used in Australia/New Zealand
: most Aus/NZ website business support it
: most major banks provide it
: maybe you can try apply outside maquarie park
|
|
|
d*****e
发帖数: 491 | 21 卡上面会有bankcard这几个字吗？
谢谢
all major banks support it
and normally no annual fees
national.com.au
commbank.com.au
anz.com.au
westpac.com.au
【在 j******n 的大作中提到】
: all major banks support it
: and normally no annual fees
: national.com.au
: commbank.com.au
: anz.com.au
: westpac.com.au
|
d*****e
发帖数: 491 | 22 bendigo
Online Applications
Apply for a Home Loan, Personal Loan or Credit Card 24/7
彻底绝望了。。。。
Bankcard is similar to visa/master/dinner'sclub/amex/JCB
it's just limited to be used in Australia/New Zealand
most Aus/NZ website business support it
most major banks provide it
maybe you can try apply outside maquarie park
i know bendigo can apply online for its debit account bendigobank.com.au
later they require you fax/mail your identification check (normally done by JP
) to them and ask your depo
【在 j******n 的大作中提到】
: Bankcard is similar to visa/master/dinner'sclub/amex/JCB
: it's just limited to be used in Australia/New Zealand
: most Aus/NZ website business support it
: most major banks provide it
: maybe you can try apply outside maquarie park
: i know bendigo can apply online for its debit account bendigobank.com.au
: later they require you fax/mail your identification check (normally done by JP
: ) to them and ask your deposit some money to activate
:
: 收
|
j******n
发帖数: 21641 | 23 in fact, choose YES to question about whether you're PR.
they will consider later to confirm your situation-visa class
a lot of overseas student get CC
just don't give up
【在 d*****e 的大作中提到】
: bendigo
: Online Applications
: Apply for a Home Loan, Personal Loan or Credit Card 24/7
: 彻底绝望了。。。。
:
: Bankcard is similar to visa/master/dinner'sclub/amex/JCB
: it's just limited to be used in Australia/New Zealand
: most Aus/NZ website business support it
: most major banks provide it
: maybe you can try apply outside maquarie park
|
d*****e
发帖数: 491 | 24 你是说他们不会确认我是否pr
还是指他们以后才会来查验是否pr？
in fact, choose YES to question about whether you're PR.
they will consider later to confirm your situation-visa class
a lot of overseas student get CC
just don't give up
【在 j******n 的大作中提到】
: in fact, choose YES to question about whether you're PR.
: they will consider later to confirm your situation-visa class
: a lot of overseas student get CC
: just don't give up
|
j******n
发帖数: 21641 | 25 PR is only one condition, but not exclusive condition
student and working visa holders may be granted CC in a lot of cases
so just apply online, which don't take too much time, maybe some bank will
give you one esp. now CC market is competitive, they want to recruit you very
much
avoid ANZ, it will check your credit report immediately from other Web
services, so your success rate is low
avoid applying more than 8 times, if all unsuccessfully in any consecutive 6
months
good luck
【在 d*****e 的大作中提到】
: 你是说他们不会确认我是否pr
: 还是指他们以后才会来查验是否pr？
:
: in fact, choose YES to question about whether you're PR.
: they will consider later to confirm your situation-visa class
: a lot of overseas student get CC
: just don't give up
|
d*****e
发帖数: 491 | 26 westpac pr是硬性条件。。。
还有st george,unicom
调查信用记录会有什么后果呢？
你是指在六个月以内8次
还是指总共8次每次间隔6个月？
谢谢
如果8次都被拒绝了 该怎么办？
PR is only one condition, but not exclusive condition
student and working visa holders may be granted CC in a lot of cases
so just apply online, which don't take too much time, maybe some bank will
give you one esp. now CC market is competitive, they want to recruit you very
much
avoid ANZ, it will check your credit report immediately from other Web
services, so your success rate is low
avoid app
【在 j******n 的大作中提到】
: PR is only one condition, but not exclusive condition
: student and working visa holders may be granted CC in a lot of cases
: so just apply online, which don't take too much time, maybe some bank will
: give you one esp. now CC market is competitive, they want to recruit you very
: much
: avoid ANZ, it will check your credit report immediately from other Web
: services, so your success rate is low
: avoid applying more than 8 times, if all unsuccessfully in any consecutive 6
: months
: good luck
|
k**f
发帖数: 485 | 27 AMEX是我的第三张信用卡,申请流程超慢,我在网上注册以后整三个月他们才联系我
我申请的发卡行还是我的房贷提供者,他们居然还那么磨蹭...好处是每年消费5000?
金卡是9000,就可以免年费.不过我还是不怎么喜欢AmEx
服务质量最好的还算Commonwealth,我一直用他们的,从来没有任何问题,转钱还很快
网上服务也很出色,可惜...这个年费...好象省不掉哦,除非贷他们家的房贷,能给你
免一年的年费.顺便提一句,commonwealth的顾客信用追踪不错,我用了没几天他们的
VISA以后,他们就写信告诉我可以申请金卡或者普通卡提升信用额度.当然这可能和我
借他们家车贷并及时还清有关
Westpac信用卡也不错,就是网上服务没有commbank那么方便,所以那张VISA要逐渐淡出
我们的生活了.Westpac对商业用户好象比对个人用户更周到一些...我们家以前免税部分
的
收入直接进Westpac的一张Debit...可惜年费太贵,每年120块哦,所以这个财年开始就直接
让单位把钱划进房贷了
最可气的是VIRGIN,广告发的铺天盖地,我申请了一下居然被拒,说我收入/信用达不到
他
【在 j******n 的大作中提到】
: tried amex?
: and if you only use cc in OZ/NZ
: try bankcard
|
q******g
发帖数: 3858 | 28 我用的是NATIONAL BANK的,开始申请的时候,要我出示好多材料,证明我的身份,我心想有
护照和签证还不够啊,就没理他们.等我觉得快没戏的时候,他们就把卡给我寄来了.
分
【在 k**f 的大作中提到】
: AMEX是我的第三张信用卡,申请流程超慢,我在网上注册以后整三个月他们才联系我
: 我申请的发卡行还是我的房贷提供者,他们居然还那么磨蹭...好处是每年消费5000?
: 金卡是9000,就可以免年费.不过我还是不怎么喜欢AmEx
: 服务质量最好的还算Commonwealth,我一直用他们的,从来没有任何问题,转钱还很快
: 网上服务也很出色,可惜...这个年费...好象省不掉哦,除非贷他们家的房贷,能给你
: 免一年的年费.顺便提一句,commonwealth的顾客信用追踪不错,我用了没几天他们的
: VISA以后,他们就写信告诉我可以申请金卡或者普通卡提升信用额度.当然这可能和我
: 借他们家车贷并及时还清有关
: Westpac信用卡也不错,就是网上服务没有commbank那么方便,所以那张VISA要逐渐淡出
: 我们的生活了.Westpac对商业用户好象比对个人用户更周到一些...我们家以前免税部分
|
j******n
发帖数: 21641 | 29 when i was not PR
every time i was rejected
there is one more item in my credit report
finally one bank tell me i have too many entries in that report
you can get free credit report from the bureau
有
【在 q******g 的大作中提到】
: 我用的是NATIONAL BANK的,开始申请的时候,要我出示好多材料,证明我的身份,我心想有
: 护照和签证还不够啊,就没理他们.等我觉得快没戏的时候,他们就把卡给我寄来了.
:
: 分
|
d*****e
发帖数: 491 | 30 where to get the credit report?
when i was not PR
every time i was rejected
there is one more item in my credit report
finally one bank tell me i have too many entries in that report
you can get free credit report from the bureau
有
【在 j******n 的大作中提到】
: when i was not PR
: every time i was rejected
: there is one more item in my credit report
: finally one bank tell me i have too many entries in that report
: you can get free credit report from the bureau
:
: 有
|
|
|
k**f
发帖数: 485 | 31 哪个BUREAU?给个网址,谢了
【在 j******n 的大作中提到】
: when i was not PR
: every time i was rejected
: there is one more item in my credit report
: finally one bank tell me i have too many entries in that report
: you can get free credit report from the bureau
:
: 有
|
k**f
发帖数: 485 | 32 很多时候银行的规则很诡异
申请3000额度的信用卡不批,转头去申请一笔一万的personal loan倒干净利索的批了
不过据说向银行借钱然后还掉,多搞几次信用等级就上去了
哪个在银行工作的给大家说说吧
有
【在 q******g 的大作中提到】
: 我用的是NATIONAL BANK的,开始申请的时候,要我出示好多材料,证明我的身份,我心想有
: 护照和签证还不够啊,就没理他们.等我觉得快没戏的时候,他们就把卡给我寄来了.
:
: 分
|
d*****e
发帖数: 491 | 33 那就不断借钱还钱吧
很多时候银行的规则很诡异
申请3000额度的信用卡不批,转头去申请一笔一万的personal loan倒干净利索的批了
不过据说向银行借钱然后还掉,多搞几次信用等级就上去了
哪个在银行工作的给大家说说吧
有
【在 k**f 的大作中提到】
: 很多时候银行的规则很诡异
: 申请3000额度的信用卡不批,转头去申请一笔一万的personal loan倒干净利索的批了
: 不过据说向银行借钱然后还掉,多搞几次信用等级就上去了
: 哪个在银行工作的给大家说说吧
:
: 有
|
