You’ll want to see how to apply for the N0w credit card if you’ve been waiting for the perfect option to save on fees.
If you’re someone who values conscious financial management, this card will be a perfect fit for you.
First off, it gives you flexibility because you can choose your preferred credit limit between $1,000 and $3,000, with a low monthly fee that changes depending on the limit.
Plus, there are several perks, including no requirement to use it every month.
Ready to check if you meet the criteria to apply?
Who Can Apply?
To qualify for the N0w Credit Card from Community First Bank, you’ll need to meet a few basic requirements:
- Be 18 years or older
- Have a stable source of income
- Be an Australian citizen or permanent resident
- Maintain a clean financial history, with no defaults on loans, mortgages, or credit cards in the last five years
- Be employed in your current position for at least six months
- Have an appropriate credit score
- Not be applying for a balance transfer
Required Documents and Information
- ID: Driver’s licence, passport, or Medicare card.
- Personal details: Including your current and previous address, phone number, and email.
- Financial info: Details about your income, current job, assets (like property, vehicle, or savings), and any existing debts (like mortgages or other credit cards).
How to apply for the N0w credit card with the ideal limit
The credit limit for the N0w card depends on approval from the assessment team, but you can request the limit that suits your needs.
Keep in mind that each limit has a different monthly fee:
➡️$1,000 with a $9 monthly fee
➡️$2,000 with a $14 monthly fee
➡️$3,000 with a $19 monthly fee
How to Apply for the N0w Credit Card: Step-by-Step Guide
It is available to request in person at one of the agencies, over the phone or more conveniently through online registration. See below:
- Fill out the online form with your personal and financial details.
- Choose the credit limit that best fits your needs.
- Submit the required documents to verify your identity and income.
- Wait for approval from Community First Bank’s credit assessment team. You’ll get a response via email shortly after.
If you meet all the requirements and your application is approved, the card will be mailed directly to your address.
Activating Your New Card
For security, all cards are delivered locked. You can activate it through the app or by contacting the customer service centre.
Once you’ve set up your PIN and confirmed the unlock, your N0w credit card will be ready to use for your everyday purchases.
If you plan to use it overseas, don’t forget to submit a “Travel Notice” by contacting the team so international transactions are authorised.
Lastly, like any financial product, this card also requires responsible use.
Make the most of the app’s management tools to track spending and balances, and ensure you make payments on time to maintain a good credit history.
Useful Contacts
General enquiries: 1300 13 22 77
Mobile banking: 1300 13 16 99
Email: [email protected]