Most Australian adults can get a credit card, although it’s not an automatic right.
The first box to tick if you want a credit card is that you must be at least 18 years old. (The one exception to this rule is if an adult adds you to their account as an ‘additional cardholder’. In that case, you get your own physical card, although the adult is held liable for the debt.)
Most credit card issuers also insist that you have the right to work in Australia and that you’re not an undischarged bankrupt.
When people are refused credit cards, it’s usually because they occupy at least one of these four categories:
- Temporary resident
- Poor credit history
- No credit history
- Low income