Credit card repayments FAQs

Flexible and easy ways to pay off your credit card balance, including online, in person or even using an automatic payment plan.

1.  What is the minimum repayment I must make?

   Each month you must make the minimum monthly repayment by the due date shown on your St.George credit card statement.
   
   The minimum repayment on your credit card is whichever is greater of:
   
   1. 2% of your total balance, or
   2. $10, or
   3. The amount of outstanding government and interest charges.
   
   If the outstanding closing balance is less than $10, you must pay it in full.
   If your balance is zero or if your account is in credit, you do not need to make any repayments.
   

2.  What happens if I miss a payment or go over my credit limit?

   If you miss or make a payment late, you will be charged a Late Payment fee
   If you exceed your credit card limit, you will be charged an Overlimit Fee. These fees are clearly outlined on your statement.
   Internet Banking	Transfer funds from any St.George account. To register for Internet Banking, call 1300 555 203 (24/7).
   Phone Banking	Call 13 33 22 to make your payment from another St.George account. To register for Phone Banking call us on 13 13 76 and say “Register” when prompted.
   BPAY®	Contact your participating bank, credit union or building society to make your payment directly from your cheque or savings account.
   Automatic Payment Plan	You can arrange to have a payment made automatically from your nominated account with any Australian bank to your credit card.
   Mobile Banking	Pay from selected mobile phones.
   At any St.George ATM	If your savings or cheque account is linked to your credit card account. To link an account call us on 13 13 76 and say “Existing Card” when prompted.
   At any St.George branch	Find your nearest branch
   By GiroPost	At any Australian Post Office that displays the GiroPost sign. You will need to take your statement, credit card and use your PIN to make your credit card repayments.
   By post	Complete all payment details on the bottom portion of your statement. Detach and mail the bottom portion of the statement, with your cheque payable to St.George Bank, to Group Card Services, St.George Bank, GPO Box 1518, Adelaide SA 5001. Please do not send cash through the mail.
   In order to avoid Late Payment Fees, you may choose to set up an Automatic Payment Plan to ensure you always meet your minimum repayments on time each month. With an Automatic Payment Plan you can set up a direct debit from your nominated Australian bank account to your credit card so you don’t miss a payment.
   You can also consider using SMS and Email Alerts to inform you when you are close to your credit limit. Email Alerts are free and SMS Alerts are charged at $0.25 each. Both can be set up through Internet Banking.

3.  Can I make additional repayments?

   Yes, you can make additional payments to your St.George card at any time during the month. You don't have to wait until you receive your monthly statement to pay. Making additional repayments will reduce your balance faster, and reduce any interest charges.

4.  How can I pay off my credit card?

   It is easy to make repayments to your credit card in a number of ways.

5.  What is an Automatic Payment Plan?

   Setting up an Automatic Payment Plan is a simple way to ensure you meet your credit card repayment by the due date on time each month. You can arrange to have a payment made automatically to your credit card from any statement based account you nominate with any Australian bank. With an automatic payment plan you can avoid missing your minimum monthly payment and being charged a Late Payment Fee

6.  What are the automatic payment plan options?

   Choose from three payment plans.
   Full monthly payment	Pay the full amount of your closing balance. Choose this option if you are confident there will be sufficient funds in your nominated account each month to cover your full credit card balance. This would give you a peace of mind, not having to worry about interest rates and other fees related to outstanding balances.
   Minimum monthly payment	Choose this option to automatically pay the minimum payment due. This leaves you with flexibility to make additional payments at a later time.
   Fixed monthly payment	Choose to pay a set amount each month, remembering you need to pay at least your minimum monthly repayment.

7.  How do I set up an automatic payment plan?

   To set up this service, complete the Automatic Payment Plan form or call us on 13 13 76.

8.  What should I do if I am having trouble meeting my repayments?

   St.George Assist is a team of specialists who will take the time to understand your situation, and provide you with personal assistance and information to discuss ways to help you control and manage your St.George loans and accounts repayments.
   
   If you are facing financial hardship in relation to your St.George accounts, please contact us on 1800 629 795, Monday to Friday 8am to 5pm (Sydney time).

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