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EatOrBeEaten
3rd March 2009, 22:18
I have discovered that Visa debit does not exist in this country, and so I can't book things like ferries or rugby match tickets online. Even pizza has eluded me!

Thing is, I'm having real difficulty getting a credit card as my visa is for 2 1/2 years (work to residence) and I'm not a permanent NZ resident. My bank (NBNZ) sniggered and politely declined my request, which was no less than what I expected, but still a bit disappointing.

I'm not looking to make extravagant purchases, I just want something I can book stuff online with and possibly dip into on my big road trip next month. any suggestions on banks that will help, or other options? :)

Monorail
3rd March 2009, 22:20
westpac with a debit plus card http://westpac.co.nz/olcontent/olcontent.nsf/Content/Debitplus+Visa+Card?Opendocument&refr=personal

or nzpost with a loaded card
https://www.loadedcard.co.nz/

warewolf
3rd March 2009, 22:22
as seen on tv: Westpac Debitplus Visa (http://www.westpac.co.nz/olcontent/olcontent.nsf/Content/Debitplus+Visa+Card?Opendocument&refr=personal)

There are others.

EatOrBeEaten
3rd March 2009, 22:24
cheers folks :)

Would be nice to have the option to dip into it like a proper credit card, but the loaded seems the best option. I can see why they don't want to give someone on a 2 year visa a credit card, but it's still a pain in the arse!

Slyer
3rd March 2009, 22:30
Loaded cards are the biz.
I've used prezzy cards in the past to buy things online before I had a credit card, they are basically a one use gift card visa.

TOTO
3rd March 2009, 22:31
+1 on westpack

Icemaestro
3rd March 2009, 22:34
Debitplus, and then get an arranged overdraft...voila, credit card...no interest too..

gammaguy
3rd March 2009, 22:35
cheers folks :)

Would be nice to have the option to dip into it like a proper credit card, but the loaded seems the best option. I can see why they don't want to give someone on a 2 year visa a credit card, but it's still a pain in the arse!

oh the irony.....has a visa,cant get a credit card.......:Pokey:

EatOrBeEaten
3rd March 2009, 22:39
oh the irony.....has a visa,cant get a credit card.......:Pokey:
Hehehe, very good! :D

Slyer
3rd March 2009, 22:43
A pun, woo hoo.
I want to know who the idiot resposible for that...

gammaguy
3rd March 2009, 22:46
A pun, woo hoo.
I want to know who the idiot resposible for that...

that idiot would be me...wanna make something of it?:jerry:

Max Preload
3rd March 2009, 22:51
Strange. I know international students who have applied for and been given credit cards from ASB.

gammaguy
3rd March 2009, 23:00
Strange. I know international students who have applied for and been given credit cards from ASB.

they probably have rich mummies and daddies who drive late model BMW's and a large stash of overseas funds.:baby:

LBD
4th March 2009, 05:20
The visa debit card is a great card, less charges, worked same as EFTPOS, from same account. No need to worry about credit ratings and paying off by a certain date to avoid interest. Was a Aust. Citibank account....My BNZ manager mid last year, agreed that it is a great product and they were thinking about introducing it.

Noidy
4th March 2009, 06:04
Loadad card is excellent. As you have to have it in credit you cant spend more than you have earnt and if anyone manages to get your details they dont have access to all your money. I just keep a small amount on mine unless I have a large inernet purchase or going on holiday.

portokiwi
4th March 2009, 06:14
Try the BNZ they have a BNZ lite visa, :doh: I was told I cant get one yet as I have just returned from overseas..... (I am a KIWI) but my wife to be is Portuguese but she was able to get a BNZ lite visa:doh: We both arrived to NZ on the same day. I earn much more then her but she can get a visa card and I cant. and she is on a work visa going for perm residence.
Mabe when we move down to Wellington and I get less pay I might be able to get a card:laugh:

Number One
4th March 2009, 06:26
You may not get a Westpac Debit card either given the 2 year visa thing. When I worked for them they originally only gave them to people with mortgages with them and staff (even though they were at the time advertising it on TV) Seems to have been relaxed a lot but I have a funny feeling that you still have to be a permanent resident.

The reason for this is that when the systems go down (which they invariably do occasionally) this card allows you to draw/spend up to 10K - whether you have it there or not...the chances of catching a system issue and spending that much is slim really but the opportunity exists and so for that reason they are a bit careful.

Anyway good luck they may have relaxed the rules a lot more.

EatOrBeEaten
4th March 2009, 07:14
Thanks portokiwi, have applied for a BNZ lite- will let you know if they give me one!

number one- that makes a bit more sense I suppose but still seems a bit odd. Almost everyone back in the UK has a Maestro or Visa debit card that can be used online and so forth, just seems a bit bizarre that NZ doesn't have that facility :S

Burtha
4th March 2009, 08:01
If you have a credit card & bank account overseas and they work with reciprocal rights to a bank in NZ then that may help. ie; Commonwealth bank in Oz = ASB etc.

EatOrBeEaten
4th March 2009, 09:01
If you have a credit card & bank account overseas and they work with reciprocal rights to a bank in NZ then that may help. ie; Commonwealth bank in Oz = ASB etc.
I'm with HBOS in the UK, and they just got bought by Lloyds, so I might have had a fighting chance with NBNZ is the buyout hadn't caused Lloyds so many problems! :D

Clockwork
4th March 2009, 14:38
Lloyds sold NBNZ to ANZ about 6 years ago.

Skunk
4th March 2009, 14:40
Loaded seemed to have very high fees. I could be wrong but that is what I remember when I looked into it.

EatOrBeEaten
4th March 2009, 14:42
Lloyds sold NBNZ to ANZ about 6 years ago.
Does the horse know?

firefighter
4th March 2009, 14:50
You may not get a Westpac Debit card either given the 2 year visa thing. When I worked for them they originally only gave them to people with mortgages with them and staff (even though they were at the time advertising it on TV) Seems to have been relaxed a lot but I have a funny feeling that you still have to be a permanent resident.

The reason for this is that when the systems go down (which they invariably do occasionally) this card allows you to draw/spend up to 10K - whether you have it there or not...the chances of catching a system issue and spending that much is slim really but the opportunity exists and so for that reason they are a bit careful.

Anyway good luck they may have relaxed the rules a lot more.


Huh?

Getting a debit card is easier than replacing one of the peice of shit eftpos cards they give ya that shit themselves after the second swipe (or in my case just a month ago it still would'nt read on it's virgin swipe, and I had to go through hell to get them to replace it!)....

Most of my mates have them.....as they're mostly with shitpac for the so-called government package.....

I don't know of anyone who's been refused one.....

firefighter
4th March 2009, 14:55
used online and so forth, just seems a bit bizarre that NZ doesn't have that facility :S

It does, you just have to use the right bank, it's the one and only reason I still have an account at westpac.

All my other accounts are with national, due to actual service and the fact they bothered to put me onto the best package- unlike shitpac who left me off the package I should have been on, and had asked to be on for 4 years.....(government package) they even recognised me as "one of the navy guys".....true story btw (small branch in devonport- they recognise you after a couple of visits)

yungatart
4th March 2009, 15:26
You may not get a Westpac Debit card either given the 2 year visa thing. When I worked for them they originally only gave them to people with mortgages with them and staff (even though they were at the time advertising it on TV) Seems to have been relaxed a lot but I have a funny feeling that you still have to be a permanent resident.

The reason for this is that when the systems go down (which they invariably do occasionally) this card allows you to draw/spend up to 10K - whether you have it there or not...the chances of catching a system issue and spending that much is slim really but the opportunity exists and so for that reason they are a bit careful.

Anyway good luck they may have relaxed the rules a lot more.

hXc got a Westpac Debit plus card at the tender age of 17, with no income (he was still at High School), and with the bank knowing that he was heading off overseas for a year...to be a student, again with no income!

martybabe
4th March 2009, 15:56
I got a Westpac debit card and I don't have residency, Worth a try I reckon. :msn-wink:

Number One
4th March 2009, 18:43
I got a Westpac debit card and I don't have residency, Worth a try I reckon. :msn-wink:

:lol: Well if YOU can get one they clearly HAVE relaxed the rules quite a lot then :shifty: :dodge:

martybabe
4th March 2009, 20:12
:lol: Well if YOU can get one they clearly HAVE relaxed the rules quite a lot then :shifty: :dodge:


oooooh you! none of those embezzlement charges were ever proven, give a guy a break. :rolleyes:

Conquiztador
5th March 2009, 00:08
Got Loaded.

Cost me $1 each time I "load" it.

Apart from the startup fee thats it. So as long as you load it properly each time it is cool.