ME Bank Credit Cards
Created by Australia’s leading industry super funds, ME stands for a new kind of banking: one that’s fairer, more transparent and is committed to great deals for customers.
With award-winning home loans and term deposits, low-cost savings accounts, country-wide ATM access and banking experts that come to you at your convenience, ME is set to change the way Australians bank.
ME Bank credit cards rates
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ME Bank Frank Credit Card
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Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.
Credit cards are a personal responsibility, so getting a credit card is up to your specific financial wants and needs. As a hypothetical, ask yourself if you could afford repayments on the maximum credit limit offered by a credit card you may be interested in.
Also, consider all the pros and cons of taking out a credit card before you sign on the dotted line. Pros include the fact that credit cards can be a good way of paying for purchases, earning rewards points and building a credit history. Cons include how credit cards can be expensive and put a lot of financial pressure on you.
Yes, some lenders will provide credit cards to Australians with bad credit scores. It depends on the provider's individual lending criteria and whether you’ve presented your personal finances to show you’re an ‘ideal’ applicant.
There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.
Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.