Frequently asked questions

Making an interest free purchase

  1. Can I choose which interest free promotional offer I use?

    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.

  2. Can I use GE CreditLine to make additional interest free purchases?

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

  3. Do I need to re-apply before I make another interest free purchase?

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

  4. Can I only use my GE CreditLine card at the store where I initially made my purchase?

    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.

  5. How do I make an interest free purchase?

    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.

  6. What is the minimum purchase amount for interest free?

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

  7. When does my Interest Free and/or Buy Now Pay Later promotion start?

    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.

  8. Do I have to pay off my interest free purchase before I can use my card again?

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

  9. Can I use GE CreditLine to make additional interest free purchases?

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

Making repayments

  1. How will I know when my repayments are due?

    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.

  2. How do I know what I need to pay?

    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.

  3. Can I use my credit card for a Direct debit?

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

  4. How do I use BPAY™?

    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.

  5. How can I pay my account?

    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.

  6. What do I do if I cannot afford to make my repayments?

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

Fees and charges

  1. How can I avoid paying interest on an interest free purchase?

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

  2. Are there any fees and charges payable on my GE CreditLine account?

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

  3. How do I avoid incurring a late fee on my account?

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

Credit limit

  1. How much credit do I start with?

    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.

  2. How do I know what my credit limit is?

    • 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.

Shopper's Protection insurance*

  1. What does Shopper’s Protection cover me for?

    • 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.

  2. How much does Shopper’s Protection cost?

    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.

  3. How can I get Shopper’s Protection?

    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.

  4. How do I make a claim?

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

We will let you know when you go over your credit limit

  1. When will over limit alerts start?

    Over limit alerts will start from late June 2012.

  2. Is this a free service?


  3. What should I expect?

    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.

  4. Will I be charged a fee if I go over my limit?

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

  5. What do I need to do if I receive an over limit message?

    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.

‘Opt in’ to receive invitations to apply to increase your credit limit

  1. Why do I need to ‘opt in’?

    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.

  2. Why should I opt in?

    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.

  3. Can I apply for a credit limit increase without providing consent?

    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.

  4. How often will I receive invitations if I opt in to the service?

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

Your statement now shows what difference paying more now will make in the long term

  1. There’s new information on my statement about paying more than the minimum monthly payment. Can I keep paying the minimum each month?

    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.

  2. How does the new ‘Managing Your Repayment’ section on my statement help me?

    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.

Personalise. Manage your account online.

  1. What does the GE CreditLine Online Service Centre offer?

    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

  2. How can I register for an Online Service Account?

    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.

  3. I contacted GE Creditline on Twitter and was asked to complete an eForm. Where do I find this eForm?

    You can access the eForm here.

* Any advice on this page has been prepared without taking into account your own financial situation, needs and objectives. You should consider if this advice is right for you and read the Combined FSG, PDS and Policy before deciding whether to purchase this product. The insurers are Hallmark Life Insurance Company Ltd. ABN 87 008 446 884 AFSL 243469 and Hallmark General Insurance Company Ltd. ABN 82 008 477 647 AFSL 243478.

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GE CreditLine is a credit facility provided by Latitude Finance Australia (ABN 42 008 583 588). Australian Credit Licence Number 392145.