Frequently asked questions

The interest free promotional offer is determined by the store you’re shopping at. Stores run different interest free promotions at various times of the year. Ask in-store about the interest free promotional offers that  are currently available.

Yes. As long as you don’t go over your credit limit.

No. As long as you have enough credit on your account, you can shop at participating stores.

No. It doesn’t matter if you have a GE CreditLine card that is branded with the logo of the store where you first applied for the card, your GE CreditLine is accepted at over ,9,000 stores around Australia and you can purchase again from any of those stores.

If you're already a cardholder
Simply present your GE CreditLine card or your driver's licence at any store that accepts GE CreditLine.
The sales person will advise you which interest free promotions are currently available. You can then purchase up to your available credit limit.

If you're not a cardholder
You should apply for a GE CreditLine card online today and enjoy these benefits.

This varies, depending on the store you’re shopping in. Talk to the salesperson in the store to find out more.

Once you have your goods, and GE CreditLine has received all correctly completed paperwork from the store. Your account is then created. And your interest free period begins.

No. Providing you have sufficient available credit left on your card, you can use your GE CreditLine card as often as you like.

You can purchase as many times as you like – up to your credit limit - from stores that accept GE CreditLine.

You'll be sent a statement every month. It will show how much you'll need to pay and when you need to pay it by. Or check it online using the Online Service Centre.

If you have any questions about your statement, please call our Customer Solutions team on 1300 361 152.

If you’ve been using your GE CreditLine account, we’ll send you a monthly statement. This statement will show a record of the transactions made over the last month. It will also tell you the minimum amount you need to pay. 

Remember, to avoid any interest charges at the end of your interest free period, you need to pay more than the minimum monthly payment each month.  The minimum monthly repayment on GE CreditLine is 3% of the total outstanding balance, or $25, whichever is greater.  You will also be charged for any applicable fees.

No. Direct debit payments cannot be made by credit card or charge card.

To use BPAY you’ll need online access to your bank account. Your bank will be able to tell you what types of BPAY they can provide. You’ll need the Biller Code. And you’ll need your customer reference number (CRN). This is not your card number. Your Biller Code and your CRN can be found on your monthly statement.

You can pay your account in four different ways:

• Direct debit
• BPAY™
• By mail with cheque or money order
• In person a Westpac Bank Branches and Australia Post outlets

Fees and charges apply to some payment methods.

If you are having difficulty making your minimum monthly repayments please talk to us. GE has a hardship policy which may allow us to tailor a solution to your situation.  Please refer to GE’s hardship page for more details.

Pay the outstanding balance in full before your interest free period ends.

Yes. Click here for a full list of fees and charges

Make the minimum payment. To avoid incurring a late fee, please ensure that GE Money receives at least your minimum monthly payment (including any outstanding fees or charges) by the due date shown on your statement.

It varies from person to person. Your credit limit can be found on your statement or on the Financial Table you received in the welcome letter.

• Your credit limit can be found on the top right of your monthly GE CreditLine statement.
• You can check it anytime at the Online Service Centre
• Or call us on 1300 361 152

Remember, your interest free credit limit can be different from your cash credit limit.

• Price Protection: If your purchase goes on sale at the same retailer (even if it’s a different location) within 6 months, we’ll pay the price difference to your account
• Merchandise Protection: If the item you buy is lost, stolen or damaged within 6 months from the date of purchase, we’ll pay for the cost of repair or replacement to your account
• Stolen Card Protection: If your GE CreditLine Card is stolen, we’ll pay $200 to your account - just for the inconvenience
• Balance Protection: If you lose your job, or can’t work due to sickness or injury, we’ll pay the balance of your account, up to $5000. If you should die, we’ll pay the balance in full – up to $20,000

For more details refer to the Combined Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Policy for full details including limits that apply to this cover.

The premium is just 1% of the monthly closing balance – capped at $50 per month.  So even if you spend a bit more you’ll be certain it won’t cost you more than $50 a month.

You should first read the Shopper’s Protection – Combined FSG, PDS and Policy to see if this insurance is right for you.  Then call us on 1300 131 024 and ask one of our consultants to add Shopper’s Protection to your GE CreditLine account.

Vist our claims page or contact our claims team on 1800 800 230 if you need assistance.

Over limit alerts will start from late June 2012.

Yes.

If you go over your credit limit, you will receive a message via either email, SMS or automated phone call. If we don’t have your phone number or email address, we will let you know by post. The message will be sent within 2 business days from the time your account goes over limit. You should only receive one over limit alert between each statement period.

No. GE CreditLine customers will not be charged an over limit fee going forward.

You may not be able to make some transactions while your account remains over limit. If you receive an alert, you should check your balance by logging in to the Online Service Centre. If you don’t have an Online Service Centre login, you can register. Registration takes about 5 minutes. Have your latest statement handy when you register.

Recent changes in legislation require us to have your consent before sending you invitations to apply for a higher credit limit. Your ‘opt in’ will allow us to send you invitations to apply to increase your credit limit when you are eligible.

Not all customers are eligible for a higher credit limit all the time.
By opting in to the service, we will send you invitations to apply to increase your credit limit. If you later want to withdraw your consent, you can do this by calling our customer service team.

Yes. You can apply for a credit limit increase by calling us to request an increase to your limit. We will then review and let you know if you are eligible to increase your limit.

You may receive an invitation at a maximum of once every three months.

While only making a minimum payment can give you flexibility and be useful in the short term, it is only the minimum you have to pay to meet the obligations of your credit card’s contract and avoid a late fee. You can continue to pay the minimum monthly payment but it’s important to have a plan to reduce your balance.

Managing Your Repayments gives a monthly snapshot of your account to show an estimate of what would happen if you don’t make any new transactions with your card but kept making minimum repayments. It also shows you how much time and money you may save in the long term, if you can contribute above your minimum payment each month.

Online Service Centre customers have access to a number of tools that makes account management easier:

• By switching to eStatements you will receive eStatement payment reminders before your payment’s due. You will also save on paper statement fees.
• Self-manage your account details and review account status e.g. transactions, credit limit
• Choose to receive payment confirmations and other alerts, any time

You can register here. The process will take about 5 minutes. Just make sure you have a recent statement with you to help answer some of the questions.