Any advice for credit card. 4k liability..1k per week earning..almost 1k of bank balance 😅
I am a poor thing but i have decided on a CC to start getting some credit exposure and churn qantas points thanks
Does Credit Card Company Know I Use Zippay? Will Outstanding Effect My Application ?
oneone001 on 04/02/2023 - 01:07
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I got approved for the Hummm90 credit card and they never asked about any zip pay account. Offer is already expired, but the first year annual fee was waived, hence thought i'd apply.
Yes CC company can easily know you use zip pay, (See your credit details on creditsimple, and getcreditscore.com.au) you will see Zip account details there (If you dont then there's a problem, either your zip details dont match your Credit profile/ID or IDK theres some other problem).
But that being said CC issuers dont just look at zip, they look at overall profile, e.g. total annual income, when was last credit enquiry, how much is your current credit limit (how much used up or free limit). If you had any past experience with them.
Ask CBA: makes steppay offer, then comes back to hit you with 17%……
Sounds like a HN bargain?
Zip don’t always credit check.
Initial applications of $500 or less tend to not be checked so not mark on your file. The credit card company may see zip payments from your bank account which will let them know you have an account but it won’t ness show on your file.
Yes. Yes will affect
Credit limit also depends on non discretionary spending, not just based on your 1k per week presumably pre tax income