Credit Card Application

What you'll need to apply online

A current email address and contact number.
Identity Verification.
Australian driver’s licence, Medicare or passport details (if you wish to complete entire process online).
Employment and income details.
Find out which income documents you need to have handy to email through to us.
Details of your expenses, assets and liabilities.

Please note: These are the minimum requirements for a Credit Card application. We may ask you to supply additional documents.

Eligibility

You must be aged 18 years or over.
You must be a permanent Australian resident with an Australian residential address.
You must be receiving a regular income.
You must not have declared bankruptcy or insolvency, or had defaults on any loans, credit cards, interest free finance or store cards in the last five years.

Please note: Applications are for individuals and personal use purposes only, joint applications or applications for business purposes are not accepted.

Declaration

By continuing, you agree to the below:

The use and disclosure of your personal and credit information in accordance with CUA’s privacy notice. For full details of our privacy practices you can also read CUA's Privacy Policy.
Having read and understood the CUA Credit Cards Conditions of Use and Credit Guide and Credit Card Key Fact Sheet.
Consent to CUA obtaining a credit report to assess your application for credit.
Warrants that, if you have supplied CUA with personal information about another individual (e.g. an employer or referee), you have made that person aware that CUA may contact them in relation to your application or account.
CUA contacting you by email, SMS or telephone in relation to your account and application.
Receiving your credit card contract documentation (if approved), credit guide, notices (including any notice of decline) and statements electronically. You understand that:
- Some documentation or notices may be a link (URL) embedded in the electronic communication;
- CUA will not post you paper notices or statements (except where the law does not allow electronic communication);
- You will need to check your nominated email account regularly and advise CUA if your email or mobile phone number changes; and
- You can revert to receiving paper statements and notices electronically at any time via CUA Online Banking or by contacting CUA.
Becoming a CUA member, the opening of an everyday banking account (if not already) and Online Banking registration. Terms and Conditions outlined in CUA’s General Information Terms & Conditions and Schedule of Fees.
You declare that any information that you provide to CUA during our relationship will be true and complete and that you will not withhold any information on your financial position or commitments, or any change in your financial position or commitments, that may be of interest to CUA.

I agree to each of the acknowledgements, consents, declarations and warranties set out above^*

Consent

For electronic identity verification against Credit Bureau

What is this check? To try and save you time online we need to verify who you are. To do this we are checking for your details with credit bureaus such as Dun & Bradstreet, Veda or Experian to match with the identity information you have supplied in this application. This process doesn't leave any mark or in any way alter your credit history.

By accepting these terms and conditions you give consent for Credit Union Australia Ltd to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006.
The credit reporting agency may prepare and provide Credit Union Australia Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment.

If you disagree with having your identity verified by a credit reporting agency, do not continue with this application and contact Credit Union Australia Ltd so that we can discuss other options with you.

I consent to an electronic identity verification ^*

I have read and understood the CUA Credit Cards Conditions of Use and Credit Guide.
I have read and understood the Credit Card Key Fact Sheet.
I warrant that I am not currently bankrupt.
I certify that I can afford this credit card without enduring any hardship.
I acknowledge that by accepting this application CUA is not obliged to grant a credit card.
I acknowledge that CUA may receive or pay commission for my introduction to it.
I acknowledge that I must be a member of CUA and hold a CUA everyday banking account prior to my credit card account being created.
I acknowledge that if I am not a current member of CUA that a CUA Everyday Account will be opened on my behalf as part of this credit card application, and I agree to the terms and conditions outlined in CUA's General Information, Terms & Conditions and Schedule of Fees.
I warrant that, if I supply CUA with personal information about another person (for example, a referee), I am authorised to do so and will ensure that they are made aware of the information set out in the CUA Credit Cards Privacy Notice. I agree to inform that person who CUA is, that CUA will use and disclose their personal information for the purposes of assessment of my credit card application and to locate me, if necessary, at any time in the future. I will also inform them that they can gain access to that information in accordance with CUA's Privacy Policy.
I have read the CUA Credit Cards Privacy Notice and consent to my information (including personal information) being collected, held, used and disclosed in this manner, in accordance with CUA's Privacy Policy and as otherwise permitted by law.
I agree to information about me which has been provided to CUA being checked, for identification verification purposes, with any government agency or entity that holds information about me.
I agree that CUA may send me email communications including important information about this application and, if approved, the subsequent loan documentation (including statements) to the email address nominated on this application. I understand that by providing my email address:
- CUA will not post me a paper copy of disclosure documents including my credit contract, statements, service letters or notices (except where the law does not allow electronic communication);
- I will need to check my nominated email account regularly and advise CUA if that email changes; and
- I can withdraw my consent to receive statements, service letters or notices electronically at any time via CUA Online Banking or by contacting CUA.
I agree to CUA contacting me by email, SMS or telephone in relation to my account and application.
I declare that any information that I provide to CUA during our relationship will be true and complete and that I will not withhold any information on my financial position or commitments, or any change in my financial position or commitments, that may be of interest to CUA.

About you

Edit

Your credit card

Credit card selected

Preferred limit:

Your details

Name

Date of birth

CUA Member

Relationship Status

Do you have any dependent children?

Are you a resident for tax purposes in any other country?

Your identity

Home address

Current residential status

Current Address

, , ,

Time at current address

years months

Postal address

, , ,

Contact details

Email address

Mobile number

Daytime telephone number

Alternative contact person (not living with you)

Name

Address

, , ,

Contact number

Relationship to the applicant

Financial details

Edit

Savings

Total value of savings

Other

Do you have other assets?

Credit Card

Total limit

Balance outstanding

Other Loans

Number of loans

Living expenses

Rent

Rates/Utilities

Phone/Mobile/Internet

Groceries and general household expenses

Transport & vehicle expense

Insurance & medical expense

Child care (after rebate)

Child support/Private school & tertiary education

Entertainment (e.g. pay TV, restaurants)

Other Expenses

Financial history

Have you ever been bankrupt or insolvent?

Have you ever entered into a scheme or arrangement with creditors under the Bankruptcy Act?

Are there any judgements, garnishes or other legal proceedings against you?

Employment

Edit

Current employment details

Occupation

Gross income

Time with employer

years months

Are you aware of any foreseeable changes in your financial circumstances?

Previous Submit