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The most convenient way to access your accounts overseas is to use a or with a PIN at an ATM facility. Using a Visa card means you can also visit a local bank and withdraw money over the counter. There will be a fee for this service, and interest will be incurred for Visa credit cards. Refer to our for more details. All our Visa debit and Visa credit cards come embedded with a smart chip, making cards virtually impossible to copy and offering a new level of security against counterfeiting, card skimming and other fraudulent use. If you are travelling overseas and your current card does not have an embedded chip we recommend you contact us to update your card prior to travelling. A Travelex Cash Passport or prepaid money card gives you ATM only or ATM and debit card options.

There is no name on the card, offering a supreme level of secuirty. If you are travelling overseas, make sure you're signed up for Internet Banking so you can keep track of your accounts while you're away. Alternatively, rediCARD PLUS cards can be used in overseas ATMs that display a PLUS symbol. If your current rediCARD does not currently have the PLUS functionality contact us to update your card prior to travelling. A chip card is a Visa credit or debit card with an embedded smart chip. It appears as a gold square on the left hand side of the card. Like the magnetic stripe on the back of current credit and debit cards, the embedded microchip securely stores account details - account name, number and account expiry date.

But unlike the magnetic strip, the microchip is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use. Purchases and cash withdrawals are directly deducted from your transaction account, so there are no interest charges unless you're using an overdraft option. This means you can monitor your account balance and see exactly how much money you have left to spend. Visa Debit also has the convenience of International access to your accounts and the ability to make purchases made online – still accessing your own funds.

All purchases, including payWave transactions, are covered by Visa cardholder protections, policies and chargeback rights. The following clip provides a great description of. All our Visa Debit cards have the latest smart chip technology which is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use.

Our cards are also covered by which adds another level of protection when buying online. People’s Choice also provide a fraud protection service to members free of charge which monitors transactions to detect unusual activity, suspicious transactions and block the card if necessary. In addition, all Visa card holders have admittance to providing access to concert and theatre ticket presales, film promotions and exclusive offers.

In most instances you will only require one card. Your card will provide you access to all of your accounts in our branches or agencies, even those that you are signatory to. In addition, you can link up to three transactional accounts to your card for access at rediATMs and Bank@Post. Our credit cards also allow up to two additional transactional accounts to be linked to access via EFTPOS and non-rediATMs.

If you require access to more than one account via EFTPOS or non-rediATMs on a Visa Debit or rediCARD PLUS card then an additional card may be required. RediCARD PLUS cards are subject to an annual fee per card. If your card is lost or stolen during business hours, call us on 13 11 82 or visit your as soon as possible. We can cancel your current card and arrange for a new card to be mailed to you.

Outside of business hours, call the Visa 24 hour hotline on 1800 648 027. You'll then need to contact us to arrange for a new card to be sent. If you're overseas when you lose your card, please contact us on +61 2 8299 9101. If you need to arrange for an emergency Visa card to be issued to you, visit the to find the contact details for each country.

There may be a fee for ordering a replacement card. Refer to our for more details. A credit limit is the maximum amount that People's Choice Credit Union has approved for you to borrow. Credit limits should be carefully monitored to ensure that you do not exceed your designated amount.

To ensure that you do not exceed your limit, you may find it helpful to keep a pocket notebook with you to write down your purchases. You can also check balances regularly via Phone Banking or Internet Banking, noting sometimes there may be purchases still to be processed to your account. SMS Banking is also available to help you keep in touch with your finances. You can check your accounts whenever and wherever you want simply by using your mobile phone, another way to ensure you don't overspend. Refer to our terms and conditions for more information on SMS Banking.

Make sure your credit limit or overdraft limit is set at a level that you can afford to repay. If you feel your current limit is too hard to manage, you can request to have your limit decreased if it is not already at the minimum amount. Assess limit increases carefully, if you are offered a credit limit increase, make sure you can afford to pay off your new limit. You must consent to receiving an increase in limit offers in the first instance. Depending on the circumstances, a personal loan may sometimes be a better option. You may have been charged interest for the following reasons:. A cash advance has been made.

An electronic transfer has been debited from the account. An overseas cash withdrawal was done. There was a late payment made to the account. The full end of the month balance was not paid. To reduce interest charges, try paying more than your minimum repayment each month. The more you pay off your balance, the lest interest you will be charged.

If you pay off your whole balance by the due date, you won't be charged any interest at all. Interest is calculated on the daily balances but not charged until the last calendar day of the month. An arrears/overlimit fee is charged where you overdraw your account past an approved credit or overdraft limit or, if you have no approved limit, overdraw your account. This fee is charged if you remain overdrawn 20 days or more. To avoid this fee we recommend you monitor your transactions to ensure your account does not become overdrawn and settle any overdrawn balances as soon as possible. Debit interest also applies to overdrawn and overlimit balances.

Overlimit fees do not apply to credit card accounts. The PayTag can be used on any phone.

However, if your Android has NFC (Near Field Communication) and KitKat 4.4 software you should use the redi2PAY app. Use the table below to see which option your mobile is compatible with. Phone PayTag redi2PAY iPhone  Samsung Galaxy S5  Samsung Galaxy S5 Mini  Samsung Galaxy Ace Style  Any other Samsung’s  LG G3 Beat  LG G3 S  LG G3  LG G Pro 2  Lumigon T2 HD  HTC One M8  Sony Xperia Z2 Tablet  Sony Xperia Z2  Sony Xperia Z1 Compact  Google Nexus 5  All other mobile phones . Transactions completed on a PayTag are just as secure as any other transaction you make with your Visa payWave card. Our members are protected by the same security systems as we use on all card payment activities. Visa Zero Liability Policy is Visa’s guarantee that Visa cardholders will not have to bear any liability for an unauthorised transaction, which includes transactions done through theft of the card or card fraud. Any unauthorised Visa use should be immediately reported to us on 13 11 82.

It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change. Contactless payments are an innovative new payment technology that makes small payments as easy as tapping your card.

Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device. You can keep track of all transactions made using your Visa payWave card by checking your statement or Internet Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash. It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more.

You still have the option of using your Visa card the traditional way by swiping or inserting your card into a card reader and entering a PIN or signing for the transaction. Yes, they are:. You are in control - your contactless card never leaves your hands to make a payment. No accidental payments - your contactless card must be extremely close to the reader at the checkout to work. Customers won't be double-charged for the same transaction even if the card touches the reader more than once. The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase. Virtually impossible for any of your Visa card details to be intercepted while in use.

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Each payWave card reader contains security based on industry-wide standard. PINwise is a nationwide initiative of the Australian payments card industry to encourage the use of PIN instead of signature for point-of-sale transactions. Free s of repair manual 2004 crown victoria. From 1 August 2014 all financial institutions in Australia will become PINwise.

This means that a PIN will be required at all point-of-sale terminals in Australia for purchases of goods and services, as well as cash-out transactions using your Visa Debit or Credit card. Providing a signature for purchases will no longer be accepted. Using your PIN for credit and debit card purchases at point-of-sale terminals is safer and faster than signing.

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The risk of someone guessing your PIN is extremely small compared to someone forging your signature as there is only a one in ten thousand chance of someone correctly guessing your PIN. Enter your PIN when you make a purchase in person or use the convenient payWave payment option where available. A PIN is not required for transactions performed over the internet, phone or mail. PIN is only applicable when you are physically present at the point-of-sale during the purchase or withdrawing cash from an ATM. There are some circumstances at the physical point-of-sale terminals when a PIN is not required to authorise a transaction, most commonly at contactless terminals for purchases under $100 and low value payments under $35.

There are no circumstances in which you should ever reveal your PIN when making a purchase via internet, phone or mail. For these purchases you will be asked to provide your card details and the security number on the reverse of the card. It is important to remember that the security code or CVV is not your PIN nor should you make it your PIN. The vast majority of PIN pads on point-of-sale- terminals have a tactile feature that includes a raised dot on the middle ‘5’ button. This layout will be familiar to most people with vision impairments, and should therefore be easier to use. The primary ‘function’ keys are coloured coded for ease of visibility. Many PIN pads are designed to be picked up from their holders, to make it easier and more secure for you to enter your PIN.

Merchant staff should always be able to help you through the payment process and answer any queries but you should never disclose your PIN to the staff. This fee is charged to cover the costs associated with providing rediCARD PLUS cards to our members. RediCARD PLUS does not provide the same level of functionality or security as our Visa Debit card. Visa Debit is a convenient option for all your transactions, paying bills and day to day shopping as it can help you avoid paying transaction fees if you use the CR (Credit) option.

It also gives you more flexibility than a rediCARD as you can use it like a credit card to pay for purchases on the internet, over the phone and overseas. However, unlike a credit card it deducts your purchases directly from your transaction or savings account. The smart chip in the Visa Debit card and payWave functionality also provides a greater level of security as rediCARD PLUS, although having overseas ATM access, does not have a smart chip. You can use the app to tap & pay with your phone at any contactless point of sale outlet providing you a secure and easy method of payment. You can also view your available balance on your card. When using the app, you will be asked to enter a Passcode (which you would have also chosen when registering your card for the first time) and have the option to ‘enable Visa payWave’ before holding the phone over the payWave device to make the transaction.

The payWave device will only read from the back of the phone (screen must be facing upwards). Once you have made your purchase, you have the option to select ‘disable Visa payWave’.

If you do not select disable, it will time out after 30 minutes of non-use as a security precaution. Any NFC enabled Android phone running the latest Android operating system. Please refer to the below table, which will assist you to understand what phone has the correct software to support the redi2PAY app: Phone PayTag redi2PAY iPhone  Samsung Galaxy S5  Samsung Galaxy S5 Mini  Samsung Galaxy Ace Style  Any other Samsung’s  LG G3 Beat  LG G3 S  LG G3  LG G Pro 2  Lumigon T2 HD  HTC One M8  Sony Xperia Z2 Tablet  Sony Xperia Z2  Sony Xperia Z1 Compact  Google Nexus 5  All other mobile phones . Transactions completed on redi2PAY are just as secure as any other transaction you make using your Visa card through payWave.

The redi2PAY app will ‘time out’ if you have not used it after 30 minutes. Our members are protected by the same security systems as we use on all card payment activities. An interesting find was that it takes someone 7 minutes to notice they have lost their phone, and up to 7 hrs to notice that they have lost their wallet or purse. As many individuals are very connected to their phone, we feel that it is more secure than a card. ​ The application will need an internet connection to register and retrieve your latest balance. You can do a limited number of payWave transactions without an internet connection before you will be prompted to establish an internet connection.

Your battery will need to be charged to allow you to have the phone switched on when using. The NFC (Near Field Communication) functionality needs to be switched on to ensure the app works correctly.

Using NFC on your mobile can use the battery a little faster than normal, so you may want to turn it off when you are not using redi2PAY. Each time you make an online purchase, Verified by Visa assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before.

If People’s Choice Credit Union is concerned a transaction may be fraudulent, you will be prompted to confirm your identity, and you will be requested to enter some personal details unique to your account with us. This information is used only to verify your identity, and is not stored by Verified by Visa, nor is it passed to anyone including the online merchant. V.me by Visa is a streamlined, secure and flexible way to conveniently shop at your computer or on the go. Streamlined – save time and effort. No need to re-enter your card number or shipping perferences again. Secure – pay with confidence.

V.me combines secure technology and valuable features with reliable customer service. Flexible – V.me lets you use any major credit or debit card through a single service For more information about V.Me by Visa and customer support enquiries please visit the.