Cards frequently asked questions

What do I do if my card is lost or stolen?

You must contact us immediately, even if you are overseas. Go to our Lost or Stolen Card page to find out how to contact us.

 
What does my PC Visa debit card allow me to access?

Your PC Visa debit card enables you to: 

 Access cash at ATMs worldwide displaying the Visa symbol

 Purchase goods and services at merchants worldwide displaying the Visa symbol

 Purchase goods and obtain cash at EFTPOS terminals throughout Australia

 Purchase goods online or over the phone

Are there limits on the amount of PC Visa Gold Cash Back rewards dollars I can accrue?

Yes. Rewards are capped to a value of $5,000 spent each month (or ie up to $60,000 per annum). 
 

Can I alter my credit card payment due date?

No.
 

Can I have a PIN linked to this card to withdraw cash from ATMs, or is it just for credit purchases?

Yes, you can have a PIN linked to the card. For information regarding fees on these transcations, please refer to our fee table. 

Can I switch credit card products, ie Silver to Gold or Gold to Silver?

Yes. If the same credit limit or less is required, you do not need to reapply. If your switch includes a limit increase, you will need to complete and return a limit increase form, visit a PC branch or call Member Response on 13 63 73 & press 3 to have a form mailed or emailed to you.
 

Can I transfer funds from my other PC accounts to my PC credit card account?

You can transfer funds from other PC accounts to your PC credit card account via pc.easynet or Rapid Response – available 24 hours a day, 7 days a week. To register for these services, call Member Response on 13 63 73 & press 3. 
 

Can I view the history of my credit card transactions online or hear them on telephone banking?

Yes. Log on to pc.easynet and select your card type Gold (S16) or Silver (S15), or call Rapid Response, option 1 then press 4 (for savings and credit balances). 
 

Can the additional cardholder make payments towards the credit card account?

Yes. If you are an additional cardholder you can make payments towards your PC Visa credit card through: 

 pc.easynet online banking and transfer the payment amount to the primary cardholder’s member account

 Rapid Response telephone banking on 13 63 73 & press 1, followed by 1 to “transfer money between selected  accounts” then 2 “to transfer funds to another member’s account”.

Please note to make payments via Rapid Response you will need to link the PC Visa credit card account to your PC account. To set up your account please call Member Response on 13 63 73 & press 3. 
 

Do I need to activate my PC Visa credit card? If so, how do I activate my PC Visa credit card?

Yes whether you are the primary cardholder or additional cardholder you will each need to activate your own PC Visa credit card. You can activate your PC Visa credit card by calling Rapid Response telephone banking on 13 63 73 & press 1, then 6 for credit card activation. Alternatively you can activate your PC Visa credit card via pc.easynet online banking, click “Other” on the main menu then “Card Activation”. 
 

How can I apply for a PC Visa credit card?

There are many ways to apply for a PC Visa credit card: 

 Log on to pc.easynet and apply via pc.easyLOANS

 Download the application form

 Post the completed application form to Reply Paid 669, Police Credit, Carlton South, Vic 3053

 Fax the completed application form to (03) 9268 9294

 Call Phone-A-Loan on 13 63 73 & press 4

 Visit a PC branch and fill out an application form

How do I accumulate PC Visa Gold credit card Cash Back Rewards?

You will earn $1.00 for every $250 spent using your PC Visa Gold credit card. Cash Back Rewards are subject to credit purchases where you are required to provide a signature, BPAY payments, or purchases over the telephone or Internet. Cash advances do not accumulate Cash Back Rewards.
 

How do I add or remove an additional cardholder from my card account?

You can add an additional cardholder by completing the application form, calling  Member Response on 13 63 73 & pressing 3 or visiting a PC branch.

The additional cardholder must be over 15 years of age and needs to be adequately identified if not an existing PC member or cardholder. All transactions are the responsibility of the account holder. To have an additional cardholder removed, call Member Response on 13 63 73 & press 3.
 

How do I advise Police Credit of an unauthorised or unknown transaction on my PC Visa credit card account?

To report an unauthorised or unknown transaction on your PC Visa credit card account, call Member Response on 13 63 73  & press 3 between 8.00am and 5.00pm, Monday to Friday, or call the Visa Emergency Hotline on 1800 621 199 outside business hours.
 

How do I close my credit card account?

Providing the balance is paid in full, you may cancel your card at any time by calling Member Response on 13 63 73 & press 3 or by advising us in writing. 
 

How do I decrease my credit limit?

You can apply to decrease your credit limit by completing the application form, visiting a PC branch or calling Member Response on 13 63 73 & pressing 3 to have a form mailed or emailed to you.
 

How do I increase my credit limit?

You can apply to increase your credit limit by completing the application form, visiting a PC branch or calling Member Response on 13 63 73 & pressing 3 to have a form mailed or emailed to you.
 

How do I know how many Cash Back Rewards I’ve accumulated?

Your member rewards are printed on your monthly statements. Each month, the year to date summary shows the Cash Back Rewards accruing towards your end of year total.
 

How do I make a payment to my credit card while I’m away?

There are a number of payment options:

 Online via pc.easynet

 Call Rapid Response on +613 9268 9373

 Regular payment - arrange a regular payment to be debited from a nominated PC account to pay a PC credit card account.

How do I make payments towards my credit card?

You can choose from a range of credit card payment methods:

 Regular payment

 pc.easynet

 PC branch

 Mail via cheque

 Rapid Response

 Direct or salary credit

How do I transfer my existing credit card balance to a PC Visa credit card?

You can transfer your existing credit card balance to a PC Visa credit card by completing the Balance Transfer Request section on the PC Visa Credit Card Application form. Or if you already have a PC Visa credit card complete the PC Visa Credit Card Additional Cardholder / Balance Transfer Request form. 
 

How long does the credit card application process take?

To ensure that your application is processed as quickly as possible, check that you have answered all the questions on your application form and that you have attached all the required information. 

 You will receive confirmation of approval within 24 hours or the next business day.

 You will generally receive your new card within 5–7 working days of receipt of your application.

How much do I need to pay from my monthly credit card statement?

Your statements will show minimum payments, but you can always pay more. Your monthly payments are calculated at 2.5% of your closing balance, or $20, whichever is greater. You must also pay any past due or over limit amounts incurred. If your statement has a closing balance of less than $20, your minimum payment is the closing balance.
 

If I have additional cardholders, do they all receive individual reward dollars?

Rewards are accrued by all cardholders but only the account holder receives the reward. 
 

If I make a cash advance in the statement cycle as well as purchases, does the system identify this and just accumulate interest on the cash advance?

Yes. If you make a cash withdrawal (Visa cash advance) as well as purchases, you are charged interest on the cash advance component only. Interest charges on cash advances and purchases are itemised separately at the end of your statement.
 

If I transfer my existing credit card balance to a PC Visa credit card is this considered as a cash advance and accumulate interest?

Police Credit will treat all balance transfer with the BPAY facility as a retail purchase. Only when the BPAY option is not available interest will be applied to the amount of the balance transfer starting from the date the balance transfer request is processed as there is no interest free period for balance transfers. 
 

If my first purchase is made at the end of the credit card statement period, do I still have 45 days interest free on that purchase or is it reduced as it is near the end of the statement cycle?

Your interest free period is reduced for purchases you make closer to the end of the statement cycle. 
 

Is my credit card bill due on the same date every month?

Yes. The first month of the PC statement cycle is a pro-rata statement period:

 PC Visa Silver card due date 1st of each month

 PC Visa Gold card due date 10th of each month.

Is the PC Cash Back Rewards program available on both PC Visa Silver and Gold credit cards?

No. The PC Cash Back Rewards program is only available with the PC Visa Gold credit card.
 

What are my payment options for consumer credit insurance?

You can pay your consumer credit insurance premiums by:

 Direct debit from your PC savings account

 Direct debit from another financial institution savings account  or credit card.

What are the benefits of a PC Visa Gold credit card?

Benefits of a PC Visa Gold credit card are:

 Up to 55 days interest free on credit purchases

 Higher spending limit: $5,000 – $30,000

 Automatic purchase protection for 90 days against breakage, theft or loss

 Free international travel insurance

 Earn Cash Back Rewards – $1 for every $250 spent, credited to credit cards on 1 December

 24-hour access available through pc.easynet and Rapid Response

What are the benefits of a PC Visa Silver credit card?

Benefits of a PC Visa Silver credit card are:

 No annual fee

 Up to 44 days interest free on credit purchase

 24-hour access available through pc.easynet and Rapid Response to account balances.

What are the benefits of having a PC Visa credit card?

The PC Visa Silver credit card and PC Visa Gold credit card have the following benefits:

 Worldwide acceptance - more than 24 million locations worldwide

 Competitive interest rates

 Balance transfer option - consolidate credit cards to make only one monthly repayment.
 

What do I need to do when my credit card is about to expire?

You will automatically be sent a replacement credit card to the address that Police Credit holds for you, one month prior to your card’s expiry date. The same PIN applies if you currently have one.
 

What happens if I don’t use my card for an extended period of time?

If you don’t use your card for an extended period of time (approximately 200 days), we will write to you to ask if you would like to retain your credit card account. 
 

What happens to my Cash Back reward dollars if I close my credit card account?

Your rewards are not transferable. If you close your accounts before the reward are credited on 1 December, your rewards dollars are forfeited.
 

What overseas charges are involved with cash advances and credit purchases?

There is a charge of $1.80 for each over-the-counter cash advance or ATM withdrawal (Visa cash advance). This includes currency conversion of 2.0% (of the AUD transaction amount) for every purchase overseas. 
 

What types of insurance cover are available with my credit card?

Optional consumer credit insurance offers cover for life, sickness and accident, involuntary unemployment and covered trauma.
 

When do I get my PC Visa Gold credit card Cash Back Rewards?

Your Cash Back Rewards dollars are automatically credited to your PC Visa Gold credit card account on 1 December. Rewards accrued after 30 November each year will be included in the next year’s reward (period between 1 December and 30 November).
Note: rewards are automatically credited to your PC credit card accounts on 1 December each year. Rewards accrued after 30 November each year tally towards the next year’s reward.
 

Where is the three-digit security number on my PC Visa credit card?

Your security number is located on the back of your PC Visa credit card. It is the last three digits of the number that appears in the signature field of your credit card number. This number ensures and identifies that your card is with you. 

What is a chip card?

A chip card is similar to your existing PC Visa card but with enhanced security features. With the new chip card you have access to all the features of your current card. The only difference is that a chip card carries an embedded security microchip as well as the standard magnetic stripe on the back of your card, which makes your transactions even more secure.

Which PC cards include a microchip?

All PC Visa cards are being updated to chip technology:
- PC Visa Silver credit card
- PC Visa Gold credit card
- PC Visa debit card

Why is PC introducing the chip card?

Chip cards are now becoming the global standard for credit card security. They offer a new level of security and provide cardholders with more secure and smarter transactions by helping prevent fraud. Merchants across the world are gradually upgrading their terminals to chip card technology.

What are the benefits of a chip card?

 Enhanced security features to help protect our card holders from counterfeit fraud and card skimming
 More capacity to store information
 Increased convenience – Visa chip cards are recognised by merchants all over the world

How is the chip card more secure than a magnetic stripe card?

Chip cards store member’s account details (e.g. name, card number, expiry date) on the microchip, which makes the chip card almost impossible to counterfeit. With a chip card, each transaction generates a different ID which makes it almost impossible to copy.

When I am making a purchase with a chip card do I need to do anything differently?

This depends on whether you are using a merchant terminal with chip card technology or not.

When using a chip card terminal, just follow a few simple steps:

Step 1: Insert your card into the chip terminal

Step 2: Leave your card in the terminal until the transaction has been processed

Step 3: Enter your PIN or sign

Step 4: Remove your card from the terminal when prompted that transaction is complete and take your receipt. With chip card technology you do not have to sign a receipt, simply enter your PIN if you have one.

When using a merchant terminal that does not have chip card technology

You can use your card in exactly the same way you did before the introduction of the chip card. Simply swipe your card in the terminal instead of inserting your card and either sign or enter your PIN.

Note; Visa has mandated a requirement for all merchants to upgrade their terminals. If you have not already noticed changes you will in the near future.

Do I have to use my PIN at all times? Can I still sign for my transactions?

If you have a PIN on your card, we recommend that you use the PIN as it is an extra layer of security for your transactions. However, in the instance that you have forgotten your PIN or the merchant’s terminal does not recognise the PIN you can still sign for your transactions. It is important to note that some overseas merchants may insist that you provide your PIN for the transaction to be processed.

How do I use a chip card in an ATM?

Your chip card will work as usual when using an ATM.

Will the card number on the new chip card be different than my current card number?

No, it will remain exactly the same. However, as with any new card, the expiry date on the card will change. Therefore it is important that you notify any relevant third parties of your change in details. Note that the exception is where the card has been lost or stolen.

 Will my PIN stay the same?

Yes, the process hasn’t changed - when you receive your next replacement card because your current card is close to expiry your current PIN will remain.

Can you still change your PIN with a chip card?

Yes - you can change your PIN at our Carlton or Glen Waverley branches, Monday to Friday 9am-5pm

When will I receive my new chip card?

From end of April 2010, Police Credit will be distributing chip cards to our members.  If you are an existing cardholder you will receive your new PC chip card when your current card is due for renewal. In the meantime you can use your magnetic stripe card in exactly the same way as you do now.

I am a new member will I get a chip card?

If you are a new member/card holder you will receive a chip card immediately once your application for a PC Visa card has been processed.

Can I order a chip card earlier?

If you would like to receive a chip card before your card expires, you can pay our replacement card fee of $10.00 and receive a chip card early.

I currently have a PC Visa Silver credit card, which expires next year, when will I receive the new chip card?

You will receive your new chip card when your existing card is due for renewal.

What do I do when I receive my new chip card?

1. Ensure that you sign your new chip card immediately for security purposes
2. Activate your card
3. Dispose your old card securely, ensure you cut into pieces and do not dispose in a public location.

I am going overseas, is it a good idea to upgrade my card before I go or will my old one still work?

More and more merchant terminals throughout the world are being updated to chip technology. Most terminals still have the flexibility for you to use either a chip card or a magnetic swipe cards. Some countries require you enter a PIN, instead of your signature, to complete your transaction so we recommend you have a PIN for your card prior to travel to prevent any potential problems If you would like to update your card to chip card technology with a PIN function, contact Member Response on 13 63 73 & press 3 or visit one of our branches.