The criteria for being approved for this Heritage Classic Visa Credit Card are fairly straightforward. Despite the attractive perks, it’s a simple card, which makes it more accessible than many other options.
You can choose between two ways to apply: via phone by calling the bank’s customer service centre or by starting the process online to speed up your credit assessment. In both cases, you’ll receive the best possible assistance to find the ideal offer for your financial profile. But before you begin, make sure you meet the necessary requirements to have a successful application.
Eligibility Criteria
- Applicants must be at least 18 years old
- Be an Australian citizen or permanent resident with a verifiable address
While having a good credit history is not an explicit requirement on the bank’s website, it’s generally a positive factor, and lenders value this when assessing any financial product application. If you have no outstanding debts and haven’t made multiple credit applications recently, that will also help with your eligibility.
Essential Information about Heritage Classic Visa Credit Card
Be prepared to provide useful details for your credit assessment, such as your income, employer information, and other financial details. Naturally, you’ll need a valid form of ID on hand. Commonly accepted forms include a driver’s licence, passport, or Medicare card. If you have issues with these documents, reach out to the bank for guidance on what can be done.
Proof of income is one of the most important criteria for determining your approval, as well as the limit of your new credit card. You can include your regular earnings along with extra income from rentals and assets, for example. Similarly, it’s recommended that you are transparent about any existing financial commitments like loans, mortgages, and other credit cards if you have them.
How to Apply
If you’d like assistance from the bank’s team, call 1300 722 767, and they’ll guide you through each step to complete your application.
If you prefer to get started by filling out the online form, follow these steps:
- Enter your personal details, such as full name, address, and primary contact information like email and phone.
- The next step is to set your credit card preferences. Indicate your preferred credit limit, though keep in mind the bank will make the final decision based on your financial situation.
- Finally, wait for a call to receive the final details for approval.
How to Activate Your Heritage Classic Visa Credit Card
After your initial application, you should receive a call to confirm your request within 2 days. If everything is in order with your documents and credit check, you’ll soon receive your card in the mail.
You can use the bank’s app or internet banking to activate your card and set or change your PIN. If you need any help, use the live chat option on their online platforms or call 1300 722 767.