Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003. Phone: 13 77 28 Fax: (07) 3211 3683 Email: [email protected] Website: www.qpcu.com.au Australian Credit Licence No. 241413
QPCU Credit Card Application
Account features of proposed credit card
a Low interest ratea Up to 55 days interest free
a Accepted worldwide wherever Visa is accepted a Rewards program offered on the Bluey Rewarder Card a Repayments due on the 11th of each month
a No annual fee on the Bluey Card
Bluey Card Bluey Rewarder Card Desired credit limit $
Are you a QPS or DCS Recruit? Yes No
Requirements And Objectives
What is the purpose of this credit card (and any additional information)?
Before you complete this application please be sure each applicant can answer YES to the following questions: Are you 18 years of age or older? Yes No
Are you a permanent Australian resident? Yes No
If you have answered NO to any of the above questions, please contact us on 13 77 28 to discuss before completing this application.
Initial Approval Criteria
Is your household income over $20,000 ($15,000 if pensioners)? Yes No
Are you a QPCU shareholder? Yes No
Title Surname
Given names
Membership number Date of birth Driver’s licence number
Residential Address (PO Box not acceptable)
Time at this address: Yrs Mths
Phone no. Home Work
Mobile Email
Previous Address (if at current address for less than 2 years)
Time at this address years
Postal Address (if same as residential address, please leave blank)
Marital status 1 Single, 2 Married, 3 Defacto, 4 Separated/Divorced, 5 Widowed Number of dependants Ages
Name of nearest relative and one friend (not living with you) Full Name Phone Address Full Name Phone Address
1. Personal Details - Applicant 1
Title Surname
Given names
Membership number Date of birth Driver’s licence number
Residential Address (PO Box not acceptable)
Time at this address: Yrs Mths
Phone no. Home Work
Mobile Email
Previous Address (if at current address for less than 2 years)
Time at this address years
Postal Address (if same as residential address, please leave blank)
Marital status 1 Single, 2 Married, 3 Defacto, 4 Separated/Divorced, 5 Widowed Number of dependants Ages
Name of nearest relative and one friend (not living with you) Full Name Phone Address Full Name Phone Address
2. Personal Details - Applicant 2
Employment/Income details may be verified with employer/accountant
Employer’s name/Accountant’s name (if self-employed)
Employer’s/Accountant’s phone no. Location
Current occupation and start date
Employment status: Full-time Part-time Casual Retired Self employed Other
Previous occupation
Time with previous employer Years Months
Employment/Income details may be verified with employer/accountant
Employer’s name/Accountant’s name (if self-employed)
Employer’s/Accountant’s phone no. Location
Current occupation and start date
Employment status: Full-time Part-time Casual Retired Self employed Other
Previous occupation
Time with previous employer Years Months
3. Employment Details - Applicant 1
4. Employment Details - Applicant 2
Salary/Income
First applicant’s gross annual salary $
Second applicant’s gross annual salary $
Other gross annual income $
Please include last 2 pay slips or if self employed, last 2 years tax returns and assessment notices and evidence for all other income
Individual Application: Please state the total amounts for each of the items listed below and indicate if joint with another person. Joint Application: Please state the total amounts for each of the items listed below.
Assets
Real estate property $
Motor vehicles or boats $
Savings/shares/investments/superannuation $
Residential Status
Home owned/being purchased Renting Living with parents Government housing Other
Credit Cards/Store Cards/Overdrafts
Card type
(e.g. Visa, or overdraft) Issuer (e.g. QPCU/ANZ) Credit Limit Current Balance
$ $ $ $ $ $ $ $
5. Financial Details
Liabilities/CommitmentsDescription Institution Monthly Payments Total Owing
Mortgage or rent $ $
Car loans $ $
Personal loans $ $
Card 1 Account name
Card issuer Card type
Account/Card no.
Exact amount to be transferred Limit
Card 2 Account name
Card issuer Card type
Account/Card no.
Exact amount to be transferred Limit
6. Balance Transfers
Please read the Balance Transfer Terms and Conditions included in this application before applying.
Yes,
I/we would like to transfer the amount nominated below (or an amount subsequently advised) from another credit or store card(s) to my/our new QPCU Card Account if approved.I/We accept that it is my/our responsibility for paying any residual balance and for closure of the above account/s following transfer of the requested amount to my/our QPCU credit card.
Balance Transfer Terms and Conditions
QPCU may accept balance transfers of $100 or more from credit cards issued by banks, other financial institutions and/or store cards. Only the account holder(s) (the Primary Cardholder(s)) can request a balance transfer to your Card Account.
Your balance transfer will only be processed once you activate your QPCU Bluey Card Account. Payments to nominated credit/ store card issuer(s) will usually be made within 14 business days of us receiving your balance transfer request. Please note we are not responsible for any delays in processing your request. Until then, you must continue to make payments on your nominated account(s) in accordance with the terms and conditions of those accounts. You are also responsible for paying any remaining balance, interest, fees and charges after the transfer. If the balance transfer is processed, it will appear on your next statement of account. QPCU reserves the right to refuse a balance transfer for any reason, including but not limited to: • the balance you wish to transfer relates to other QPCU loans or overdrafts;
• the balance you wish to transfer relates to credit cards and/or store cards issued outside Australia;
• the balance transfer will result in the balance of your Card Account reaching or exceeding 95% of its Credit Limit; • you are in default of the QPCU Bluey Card Conditions of Use; or
• if the credit and/or store card account(s) from which you wish to transfer a balance(s) is/are in default at the time we receive this application.
If the amount you wish to transfer will cause you to exceed the Credit Limit on your Card Account, QPCU may only transfer such amount so that your Card Account will reach 95% of its Credit Limit.
We will treat all balance transfers as Cash Advances. Interest applies to the amount of the balance transfer starting from the date the balance transfer request was approved and processed. There are no interest free periods for balance transfers. Please refer to your QCPU Bluey Card Conditions of Use for the rest of the provisions on balance transfers.
Any promotional offers for balance transfers are only valid if your request for a balance transfer is made during the promotional offer period and made in the manner specified by the promotion.
7. Automatic Repayment Option
Yes. Please arrange for my minimum payment due to be automatically paid monthly from my S1 account: Member no:
Yes. Please arrange for my total outstanding balance to be automatically paid monthly from my S1 account: Member no:
Would you like an additional card on the same account? Yes No
Please provide the following details (additional cardholders must be 16 years of age or over) and ensure Additional Cardholder signs below.
Title Surname Given names
Member no. Date of birth
Please note, you incur liability for transactions performed on your card account by the Additional Cardholder. Please read the Bluey Card Conditions of Use for further information.
Please note, if the Additional Cardholder is not a signatory to another account at QPCU it will be necessary to complete documentation certification statement to verify their identity under the Anti Money Laundering and Counter Terrorism Financing Act 2006.
Signature of Additional Cardholder
Permission to obtain and disclose credit and personal information
What information can be disclosed?The Privacy Act allows Queensland Police Credit Union Limited (‘we’, ‘us’, ‘our’) ACN 087 651 036 and other applicable persons to disclose credit information about the applicant and any guarantor referred to in this application (you) relating to this application, including:
• details to identify you and verify your identity, such as your name, sex, date of birth, current and 2 previous addresses, your current and last known employer, and your driver’s licence number
• the fact that you have applied for credit and the amount or that we are a current credit provider to you, or that you have agreed to be a guarantor
• advice that payments previously notified as unpaid are no longer overdue
• from 12 March 2014 information about your current or terminated consumer credit accounts and your repayment history
• payments overdue for at least 60 days and for which collection action has started
• cheques for more than $100 drawn by you which have been dishonoured more than once
• in specified circumstances, that in our opinion you have committed a serious credit infringement
• the fact that credit provided to you by us has been paid or otherwise discharged, and
• other information about credit standing, worthiness, history or capacity that credit providers can disclose under the Privacy Act, including a credit report.
Your sensitive information (eg, membership of a professional or trade association) may also be disclosed where relevant to this application.
Who can give or obtain information? The Credit Providers mentioned below may:
• obtain a commercial and consumer credit report containing information about you from a credit reporting body
• exchange credit information about you with each other, and • exchange credit information about you with any credit
reporting body and any other provider of credit to you named in your credit application or a credit report from a credit reporting body.
Credit Providers can mean: • us
• our related companies
• any introducer, dealer or broker referred to in the loan application
• any agent or contractor of ours assisting in processing the loan application, and
• other entities involved that may be involved in a
securitisation arrangement which we use to fund your loan in the securitisation of your loan.
In addition, in connection with assessing your loan application, administering your loan or collecting unpaid amounts under your loan, we may give information to:
• external service providers to us, such as organisations which we use to verify your identity, payment systems operators, mailing houses and research consultants • insurers and re-insurers, where insurance is provided in
connection with our services to you
• superannuation funds, where superannuation services are provided to you
• debt collecting agencies, if you have not repaid a loan as required
• our professional advisors, such as accountants, lawyers and auditors
• state or territory authorities that give assistance to facilitate the provision of home loans to individuals
• other credit providers and their professional advisors • your representative, for example, lawyer, mortgage broker,
financial advisor or attorney, as authorised by you, or • government and regulatory authorities, if required or
authorised by law.
Important information about credit reporting bodies If you apply for any kind of credit, we may disclose
information to a credit reporting body. Specifically, we may disclose information to or collect information from Veda Advantage, whose privacy policy is at www.veda.com.au. “Credit pre-screening” is a service for credit providers wishing to send direct marketing material about credit services. A credit reporting body uses information it holds to screen out individuals who do not meet criteria set by the credit provider. From 12 March 2014, credit reporting bodies must maintain a confidential list of individuals who have opted out of their information being used in pre-screening. From 12 March 2014, to opt out of credit pre-screening, contact the credit reporting body, using the contact details on their websites, referred to above. From 12 March 2014, you can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud.
When can information be obtained, used or disclosed? This information can be obtained, used or disclosed by the Credit Providers before, during or after the provision of credit, for the various purposes identified in the Privacy Act including: • assessing your application for consumer or commercial
credit or to be a guarantor for the applicant, assessing your credit worthiness, managing your loan or the arrangements under which your loan is funded or collecting overdue payments
• to allow a credit reporting body to create or maintain a credit information file about you, and notifying, and exchanging information with, other credit providers and any collection agent of ours.
Overseas disclosures
Applicant 1 signature Date Applicant 2 signature Date
9. Authority
I/We nominate:
to receive notices and other documents under the National Credit Code on behalf of me/all of us. Both borrowers can advise QPCU at any time to receive directly a copy of any notice or other document, or to cancel this nomination. By completing this section, the borrowers acknowledge that they are giving up the right to be provided with information separately.
I/We agree that the activation of my/our QPCU Bluey Card will amount to my/our acceptance of all relevant QPCU Bluey Card Conditions of Use, and, if applicable, the Rewarder Loyalty Program Terms and Conditions.
I/We acknowledge that all information provided in this application is true and correct.
I/We consent to the receipt of all QPCU account statements and notices via online banking and agree to check these statements.
Do you consent to QPCU providing you with invitations to increase your credit limit from time to time? You are able to accept or refuse such invitations and QPCU retains discretion in granting any increase applied for. You can withdraw this consent at any time.
Over Limit Charges
I/We understand that QPCU may impose a fee and or a higher interest rate in the event that I/we exceed my/our credit limit. Any such charges will be set out in QPCU’s ‘Lending Fees and Charges’ brochure, available online or on request. I/We consent to the imposition of such charges and understand that I/we may withdraw this consent at any time. I/We acknowledge the continued use of the product may be refused if such consent is withdrawn.
By signing this application, you acknowledge having read and understood the permission to obtain and disclose information. You authorise the persons and organisations named above to give and obtain the information in the ways specified above until the credit is repaid in full.
Permission to obtain and disclose credit and personal information (cont.)
Electronic verificationUnder the AML/CTF Act, we can disclose your name, residential address and date of birth to a credit reporting body. The purpose of this disclosure is to ask the credit reporting body to assess whether the personal information disclosed matches (in whole or part) personal information about you held in their records (if any). This electronic verification process helps us to verify your identity.
The credit reporting body may prepare and provide us with an assessment by using the personal information about you and the names, residential address and dates of birth contained in its records about other individuals.
If you do not consent to us verifying your identity by electronic verification, we will provide you with an alternate verification process to identify you. If this is the case, please contact us on 13 77 28 for further information.
Disclosure to insurers and guarantors Lenders’ mortgage and trade insurers
A lenders’ mortgage insurer or a registered trade insurer may obtain a consumer credit report about you from a Credit Provider or from a credit reporting body to assess whether to provide lenders’ mortgage insurance to us in relation to an application for consumer credit, or whether to provide trade insurance to us in relation to an application for commercial credit.
Guarantors
The Credit Providers may give a guarantor, or a person who is considering becoming a guarantor, credit information about you for the purpose of enabling the guarantor to decide whether to act as guarantor or to keep informed about the guarantee. Security, privacy policy, and marketing preferences Security
We take all reasonable steps to ensure that all your personal information held by us, is protected from misuse, interference and loss, and from unauthorised access, disclosure or modification.
Privacy Policy
Our Privacy Policy (available at www.qpcu.com.au) provides additional information about how we handle your personal information. It sets out how you can ask for access to personal information we hold about you and seek correction of that information. It also explains how you can complain about a breach of the Privacy Act or the Credit Reporting Code of Conduct, and how we will deal with your complaint. Marketing preferences
The Credit Providers may use, and share with each other, information about you to inform you about products and services (unless you ask us not to). The Credit Providers may do so even if you are on the Do Not Call Register.
Yes No
Additional information (if required)
Additional information (if required)
Please return this application by either Mail: Queensland Police Credit Union Limited,
PO Box 13003 George Street, Queensland Fax: (07) 3211 3683
Product name Bluey Visa Card Bluey Rewarder Visa Card
Minimum credit limit $1,000 $1,000
Minimum repayments Greater of $25 or 2% of balance Greater of $25 or 2% of balance
Interest on purchases 13.24% p.a.* 17.24% p.a.*
Interest-free period Up to 55 days Up to 55 days
Interest on cash advances 13.24% p.a.* 17.24% p.a.*
Balance transfer interest rate 13.24% p.a.* 17.24% p.a.*
Annual fee Nil $48
Late payment fee $8 $8
There may be circumstances in which you have to pay other fees. You can only be charged a fee for exceeding your credit limit if you sepa-rately agree to being charged that fee. A full list of current fees applicable to this credit card can be obtained from
www.qpcu.com.au/rates-fees
For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au
The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.qpcu. com.au or by contacting us on 13 77 28.
Key facts about this credit card
Description of credit card
This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
