What do I need to apply for a credit card?
To save you time it's a good idea to have the following information ready when you start your application.
- Current address, past address and contact numbers;
- Employment details/status;
- Your monthly expenses, credit cards, store cards and assets.
To confirm that the details you provide are correct we also need:
- Copies of 2 most recent pay slips or 2 years’ tax returns;
- If you apply for a balance transfer please include your latest credit card statement.
This
information needs to be posted to us or handed into your nearest Hume
branch. We will not be able to make a final decision about your
application until we have received this information so the sooner you
send it to us, the better!
Please post the details to:
Hume Building Society
Credit Card Department
492 Olive Street, 2640 Albury NSW
Mark your envelope 'application submitted on-line' and we will process it promptly.
When will I receive my card?
If approved, you should receive your card within 10 working days from the day we receive your application.
What could cause my application to be delayed?
If you don’t supply us with all the required information we may need to contact you; for example if you don’t include proof of income we may need to contact you or your employer to confirm your income.
Do I need to be a member of Hume Building Society to apply?
To be approved for a Hume Visa Card, you need to be a member of Hume. If you are not already a member, one of our Lending Consultants will contact you when we receive your application.
Can I make a balance transfer from existing card/s?
Yes, please read the declaration on the application form and complete the balance transfer request on the application form.
What is the difference between a joint account and an additional card holder?
If two people have a joint account they are liable together and separately to Hume Building Society for all charges to the card account. Both can have access to the card account via internet banking and to other account information on request.
An additional cardholder, however, has no liability to Hume Building Society for any charges incurred by using their card; this is the responsibility of the primary cardholder(s). Access to internet banking and other account information is not available to the additional cardholder unless specifically authorised by the primary cardholder(s).
How does the loyalty scheme work?
Hume’s Loyalty scheme is simple and easy to understand. For every dollar you spend, you will earn one Loyalty point. You can nominate either your credit card account or a Hume savings account to receive your loyalty points. Loyalty points will be credited to your nominated account every six months at the rate of 400 Loyalty Points to one Australian dollar.
Pen or PIN?
From 4 June 2008 you will have a choice when paying with your credit card.
Until now, when you used your Hume Visa credit card to make a purchase, you pressed ‘credit’ and signed to accept the transaction. From 4 June participating shops across Australia will start allowing you to enter your Visa credit card PIN providing you an alternative to make things quicker and easier.
Of course, you can continue to sign as you’ve always done.
Don’t know your PIN?
Please call us on 1300 004 863 or visit any Hume Building Society branch to order a new card and PIN.
What is a ‘Regular’ Payment?
Regular payments can be either a recurring payment or an instalment payment. A Regular Payment represents an agreement between you (the cardholder) and a merchant in which you preauthorise the merchant to bill your credit card account at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.
For example: You may ask your local gymnasium to charge your monthly gym membership fee to your credit card each month.
Or,
You may have purchased a new television from your local appliance store and are being billed by the merchant in subsequent multiple periods.
What are the benefits of Regular Payments?
There are many benefits for cardholders who set up regular payments including:
-
Ensures timely payments to the merchant
-
Saves you time as the payment is processed automatically
-
Saves you money as you do not have to pay for cheques, money transfers or postage, nor will you be liable for late fees.
Customer Responsibilities & Obligations
Regular payment arrangements are an agreement between you (the cardholder) and the merchant. You should keep a record of all regular payment arrangements you have established with your merchant and store in a safe place. A template for recording your regular payment arrangements is available here.
You are responsible for notifying the merchant when your account details change, including a change in credit card number and/or change of credit card expiry date. Until you notify the merchant, your bank is required to process transactions from the merchant.Use this document to generate a Change in Account Details letter to your merchant. We recommend you keep a copy of any Change in Account Details letter sent to your merchant and your earlier regular payment agreements. This correspondence will be required when your merchant does not comply to your request in a timely manner and you decide to dispute any incorrectly charged regular payments.
Customer Rights to Dispute
Any issues with your regular payments, including the failure of the merchant to act on a change in account details advice, should be taken up directly with your merchant first. Should further assistance be required to resolve an issue between yourself and a merchant, contact Hume Building Society for more information.