Cards
When will I receive my People’s Choice card?
Your People’s Choice card will be sent to you when your current card is due for renewal.What do the People’s Choice cards look like?
Check out our card designs below. On your physical card, all of your important information such as your member number, card number and card expiry date can be found on the back of your card.
Our visa debit and credit cards have new accessible features, including a high contrast visibility strip, a braille “P” for People’s Choice, tactile dots to indicate whether the card is a Visa Debit Card (1 dot) or Visa Credit Card (2 dots), notches and larger print for card information.
Why does my plastic card look different to the card in my mobile wallet?
You may have noticed that People’s Choice is going through some exciting brand changes. We’ve updated the card image in your mobile wallet to reflect our new sleek card design. Don’t worry, the card in your mobile wallet is still the same card.What is my credit limit?
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, Internet and Mobile 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.My new card won't work, what's wrong with it?
When you receive your new card (if lost, stolen or captured) it will not be active.
To activate your new card, choose from the following options:
1. Activate your card through our Mobile Banking App by selecting 'Card Management' from the menu within the app.
GET THE MOBILE BANKING APP
1. Activate your card online using internet banking
LOG IN TO INTERNET BANKING
Log in to internet banking and click on 'Services' in the menu bar. Select 'Activate Card' and enter your new card number and expiry date, then click 'Activate Card'. Done!
Remember to sign the back of your new card prior to use.
Alternatively, we are here to assist with card activation at your local branch, or through our National Contact Centre at 13 11 82. To complete this process you will be asked to provide appropriate ID.What do I do if my card Is lost or stolen?
If your card is lost or stolen during business hours, call us on 13 11 82 or visit your nearest branch 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 Visa website to find the contact details for each country.
There may be a fee for ordering a replacement card. Refer to our Disclosure documents for more details.My card has been captured by an ATM. What should I do?
You will need to contact us to arrange for a new card, as captured cards are not returned to People's Choice Credit Union.
There may be a fee for ordering a replacement card. Refer to our Disclosure documents for more details.How can I request to reduce my credit limit or terminate my credit card or overdraft contract?
You can use this website to request a reduction in your credit limit to an amount that equals or exceeds the minimum credit limit for your credit card or overdraft or to request to terminate your credit card or overdraft contract. To do this, please click here to access our Internet Banking service, from which you can contact us by sending us a Secure Mail. Alternatively, enter the information and follow the instructions on the web form request via this website by clicking here, visit your local branch or contact us on 13 11 82.How do I activate my card?
We offer a few options for you to activate your card.
1. Activate your card through our Mobile Banking App by selecting 'Card Management' from the menu within the app.
GET THE MOBILE BANKING APP
1. Activate your card online using Internet Banking
LOG IN TO INTERNET BANKING
Simply log in to Internet Banking and click on 'Services' in the menu bar. Select 'Activate Card' and enter your new card number and expiry date, then click 'Activate Card'. Done!
Remember to sign the back of your new card prior to use.
Alternatively, we are here to assist with card activation through our National Contact Centre on 13 11 82 or by visiting your nearest branch. To complete this process you will be asked to provide appropriate ID.How do I pay off my credit card so that I am eligible for up to 62 interest free days?
You have until 5.00pm (CST) on the last calendar day of the month to pay the balance from the previous month in full to receive the benefits of up to 62 interest free days on eligible transactions.
This can be done during business hours, or on a Saturday, Sunday or a public holiday.Why have I been charged interest on my credit card?
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 less 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 on eligible transactions.
Interest is calculated on the daily balances but not charged until the last calendar day of the month.Can I continue to use magnetic strip on my card?
Your Visa card can still be used in traditional swipe EFTPOS terminals with PIN or signature approval where a merchant allows this method. You can also use your Visa card at ATMs. As merchant terminals are upgraded, however, contactless payments and entering a PIN where required will often be the easier, faster and safer way to transact. If you are travelling overseas, we suggest you memorise your PIN as this is now the preferred payment authorisation method for most merchants.Are smart chip Visa cards secure?
Yes, the smart chip provides the highest level of protection against counterfeiting, card skimming and other fraudulent use as the microchip is virtually impossible to copy.I'm going overseas. How can I access my money?
One way to access your accounts overseas is to use your Visa card with a PIN at an ATM or Merchant facility.
Refer to our Disclosure documents for more details and applicable fees and charges.
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.
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.What information does the smart chip contain?
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.Do I need more than one card to access all of my accounts?
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 ATMs and Bank@Post. Our credit cards also allow up to two additional transactional accounts to be linked to access via EFTPOS and ATMs.What do I do if there has been a transaction on my account that is not authorised?
Call us immediately on 13 11 82, contact us via the website, or go to your nearest branch and speak with a consultant.What is a cash advance?
A cash advance is an option cardholders can use to withdraw cash against their approved credit limit. Receiving a cash advance can simply be a matter of using a credit card at the nearest ATM.
Please note that there are no interest free days that apply on cash advances, interest charges are incurred from day one. Fees and charges apply to a cash advance. Refer to our Disclosure documents for more details.How do Visa Debit cards work?
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 Visa Debit functionality and its uses.
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 Visa Secure 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 Visa Entertainment providing access to concert and theatre ticket presales, film promotions and exclusive offers.What is an outstanding authorisation?
An outstanding authorisation is when the estimated value of a purchase (eg. Hotel stay) has been held up for a period of up to an estimated six days to allow the merchant to process the transaction.
It can also be used as a security measure for transactions such as Hotel stay or Car rental. In this case, after six days the amount drops off the system. Whilst the authorisation is in place your available credit balance is reduced by that amount, but not the balance owing on the card.
PINwise
Can I change my PIN over the phone or online?
You can update your PIN through our Mobile Banking App or online using Internet Banking.
Alternatively, you can change your PIN at any People's Choice ATM.
We are also here to assist with PIN changes at your local branch, or through our National Contact Centre at 13 11 82. To complete this process you will be asked to provide appropriate ID.Why isn't a signature or PIN required?
Visa has allowed Visa payWave retailers and merchants to ability to waive the need for collecting a signature or PIN for purchases under $100 to ensure that using Visa payWave is a convenient way to make purchases. Purchases over $100 will still require a PIN or signature to complete a transaction.Who is behind the PINwise initiative?
The Industry Security Initiative (ISI) is behind PINwise. ISI comprises representatives of all Australian financial institutions that issue Visa, MasterCard, American Express and Diners Club International. The initiative members represent the payments card industry and their role is to ensure that there is a consistent experience for consumers when using their credit, charge or debit card to pay for purchases in Australia, regardless of the institution that issued the card.Why is a PIN safer than signing?
When using your credit or debit card at the point-of-sale terminal, you enter a PIN when you authorise your transaction instead of signing. Your PIN transaction is encrypted and sent in real time to your card issuer to be authorised. PIN usage can reduce the risk of fraud due to lost or stolen cards because the fraudster would need to have both your card and your PIN. This is why you should not share your PIN with anyone. Only you should know your PIN.How does PIN affect those who are blind or partially sighted?
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.How do I change my pin?
You can update your PIN through our Mobile Banking App or online using Internet Banking.
Alternatively, you can change your PIN at any People's Choice ATM.
We are also here to assist with PIN changes through our National Contact Centre at 13 11 82. To complete this process you might be asked a series of identification questions.How do I choose a secure PIN?
Like most PINs or codes you may have it’s best to avoid choosing a PIN that contains repeating characters (4444) or digits in a sequential order (1234). It’s also safer to choose a PIN that no one could easily guess or numbers that represent publically researchable information such as DOB, postcode, or similar.How do I get a PIN for my card?
All new cards are issued with a PIN. The PIN is generally sent in a separate envelope to the card. If you have lost or forgotten your PIN, you can update your PIN through our Mobile Banking App or online using Internet Banking.
Alternatively, you can change your PIN at any People's Choice ATM.
We are also here to assist with PIN changes through our National Contact Centre at 13 11 82.
To complete this process you might be asked a series of identification questions.In what cases would cardholders not have to use a PIN?
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.When will I be required to enter a PIN?
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 unless you are conducting a contactless transaction through payWave (under $100) or a small ticket purchase (under $35) as these transactions do not require a PIN or signature.What is PINwise?
PINwise was a nationwide initiative of the Australian payments card industry to encourage the use of PIN instead of signature for point-of-sale transactions. From 1 August 2014 all financial institutions in Australia became PINwise. This means that a PIN will be required at all point-of-sale terminals in Australia for purchases of goods and services $100 and above, 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. 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.Will the PIN I use for the purchases be the same as the PIN I use for ATM transactions?
Yes. Each debit and credit card has the ability to hold only one PIN number as a form of authorisation. The PIN on your card will be the same for purchases and ATM transactions.
Visa Secure
How much do Visa Secure and Eftpos Secure cost?
This additional security benefit is provided to you free of charge.Can I use Visa Secure and Eftpos Secure from any computer?
Yes, you can use Visa Secure and Eftpos Secure from any mobile device or computer connected to the internet, with a compatible browser.Can I request that all transactions I make online go through the Visa Secure service?
No. Only merchants and retailers that have signed up to the Visa Secure service will have this security facility on online transactions.Can I use Visa Secure and Eftpos Secure if I have a joint account?
Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating Visa Secure and Eftpos Secure merchant, you may be required to enter in a One Time Password which will be sent to your mobile phone number you have registered with People's Choice to complete the transaction.Will my account be billed for Visa Secure and Eftpos Secure purchases?
Your Visa Secure and Eftpos Secure purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.
How do Visa Secure and Eftpos Secure work?
As you make a purchase online, Visa Secure and Eftpos Secure assesses the risk of the transaction based on several factors. In some instances, you may be asked to enter a One Time Password which will be sent to your mobile phone number registered with People's Choice so the card isn't used without your permission.What are the Visa Secure and Eftpos Secure services?
Visa Secure and Eftpos Secure are services designed to ensure you are protected while shopping online with your Visa card.Will I need to apply for a new card to use Visa Secure and Eftpos Secure?
No. We will register your card for Visa Secure and Eftpos Secure on your behalf, so you'll automatically be protected.Why would I be asked to confirm personal details and is this safe?
Each time you make an online purchase, Visa Secure 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 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 Visa Secure, nor is it passed to anyone including the online merchant.Will I require a username and password for the Visa Secure and Eftpos Secure Service?
Protection the Visa Secure and Eftpos Secure way is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your Visa card is new, People’s Choice will register the card before we issue it to you. With existing Visa cards, People’s Choice will take care of registering it as part of the Visa Secure and Eftpos Secure service.What are Visa Secure and Eftpos Secure?
Visa Secure is the re-branded version of Verified by Visa. Eftpos Secure is a new service provided by EFTPOS. Visa Secure and Eftpos Secure are services that automatically send a One Time Password to your mobile phone, to authenticate the purchaser and protect your card against unauthorised use.
Visa Checkout
How do I register for Visa Checkout?
People's Choice Credit Union members can register for Visa Checkout by logging in to Internet Banking, clicking on the 'Apply' tab, navigating to 'Visa Checkout' and following the instructions.
For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.What is Visa Checkout?
Visa Checkout 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 preferences again
Secure – pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service
Flexible – Visa Checkout lets you use any major credit or debit card through a single service
For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.
Visa Credit Card
What are non interest free transactions on a credit card?
Non interest free withdrawals include:
- Cash withdrawals
- Any transfer from the account
- Corporate cheque withdrawalsDo all credit and debit cards still need to be signed on the reverse?
Yes. This is still required as the signature on the back of the card will continue to be used for verification in certain situations, such as withdrawing cash at your local branch and travelling abroad to a country where PIN is not available for payment of goods.If my account is not interest free eligible how can I make it interest free eligible?
You will need to pay the closing balance of your account as it was on the last day of the previous calendar month in full, and once this is done your interest free eligibility will be regained and interest will stop accruing on any purchases that form part of your unpaid daily balance, from the date you make this payment (until your account ceases to be interest free eligible again). This can be done at any time during the month. Interest accrued up until the eligibility is regained will be charged at the end of the month.What is the Visa Credit Card fee?
Visa Credit Card Accounts carry a $59 annual fee. This fee is waived if you have a home loan, One to One or financial planning relationship with us or if you are under 25 years old and hold an Activate Account.
Visa debit cards have no annual fee.What is an overlimit fee?
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.What is cash advance?
A cash advance is an option cardholders can use to withdraw cash against their approved credit limit. Receiving a cash advance can simply be a matter of using a credit card at the nearest ATM.
Please note that there are no interest free days that apply on cash advances, interest charges are incurred from day one. Fees and charges apply to a cash advance. Refer to our Disclosure documents for more details.What is a credit limit?
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.
Visa payWave
What is Visa payWave?
Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $100 without having to swipe or insert the card. You simply wave the Visa card in front of the contactless terminal and go. No need to enter a PIN or sign for the transaction. It’s that simple.Can I still use my People's Choice Visa Card at merchants that do not have contactless terminals?
Yes. The card can still be used the traditional way at non-contactless terminals as it still has a chip and magnetic stripe, by either swiping or inserting the card and entering a PIN or signing you can complete the transaction. You can still choose to use your PIN or sign for transactions less than $100 if you prefer not to use the payWave functionality if the merchant facility still allows transactions to be made in this way.Are there still fees for using payWave?
There are no fees for setting up or using the payWave feature on your card. However standard fees and charges may apply to our cards or card related transactions. For more information, please refer to our Fees and Charges document.Are Visa payWave transactions safe?
Yes, they are Visa payWave is safe:
- 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
- It is virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.- You're covered by Visa's Zero Liability policy* so you won't be held for fraudulent charges or unauthorised purchases.
*VISA's Zero Liability policy covers Australian and New Zealand issued cards and does not apply to ATM transactions, transactions not processed by VISA or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised VISA use. Please consult your issuer for additional details. Additional VISA charges may apply. Please contact your financial institution for further details.
What are the benefits of using Visa payWave?
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 a form of innovative 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.How do I know only one Visa payWave transaction has been processed when I wave my Visa payWave card?
All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.What do you need to be able to use Visa payWave?
All you need is a Visa card with the payWave feature. People's Choice Credit Union offers members a credit or debit Visa card with the payWave feature. To find out if your card has contactless technology, it will have the payWave logo on the front.
If you do not currently have a card with contactless technology, when your current card expires or is re-issued if reported as lost or stolen, the replacement card you receive will have contactless technology.Can I still use payWave?
Yes. In Australia, where that facility is enabled you can still ‘tap’ your Visa payWave enabled credit or debit card on a contactless enabled terminal or touchpad to initiate the payment side of the transaction. When payWave is used for any transaction under the value of $100 there is no need for you to enter a PIN. From 1 August 2014, for transactions greater than $100 you will be asked to enter a PIN.
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