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Purchase rate

19.74% p.a.

Balance transfer

0% 18 months
0% Complete (success)
reverts to 21.49% p.a. 2% BT fee

Annual fee

$30 p.a.
30% Complete (success)

Pros

Up to 3 free additional cardholders

Visa PayWave

Low $30 annual fee

0% for 18 months on balance transfers

Cons

A one-off 2% fee applies to balance transfers

High purchase and cash advance rate

ANZ First Credit Card

This offer with the ANZ First Visa card has a great 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies), reverts to 21.49% p.a. and a low annual fee of $30. The ANZ First card is intended by ANZ to be their customer’s first card. It has a low annual fee and few significant features, designed for sensible use. With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ First card.

Key features

  • 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies). Reverts to standard balance transfer rate, currently 21.49% p.a.
  • ANZ's Fraud Money Back guarantee covering any fraudulent losses
  • With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ First card.
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Entertainment
  • Verified by Visa - free additional online security for transactions
  • Up to 44 days interest free on purchases
  • Up to 3 free additional cardholders
custom Image

0% balance transfer offer plus a low $30 annual card fee

If you need to transfer an existing credit card debt, the ANZ First Credit Card comes with 0% p.a. for 18 months on balance transfers. A one off 2% BT fee applies. After the 18 months period any remaining balance reverts to 21.49% p.a.

100% of customers who have rated this card would recommend it
  • Rates
    61%
  • Fees
    88%
  • Rewards
    N/A
  • Customer Service
    87%
  • Value
    54%
Overall user rating 72%
4 reviews
Interest Rates
Purchase rate 19.74% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Balance transfer rate 0% p.a. for 18 months
Balance transfer fee 2% one off
Balance transfer revert rate 21.49% p.a.
Balance transfer limit 95% of your approved new credit limit
Balance transfer from personal loan N/A
Banks you can't balance transfer from ANZ
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $30 p.a.
Additional cardholder fee Up to 3 at no extra cost
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $20
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Eligible with Apple Pay®, Google Pay™ and Samsung Pay™

The ANZ First Credit Card

With its 0% balance transfer offer and low ongoing annual fee, the ANZ First Credit Card could be the perfect option if you’re looking for a way to save money while paying down existing credit card debt. Giving you a whopping 18 months at 0% on balance transfers, this card completes its offering with a handy selection of extras, including 90-Day Purchase Security Insurance and Extended Warranty Insurance.

What we love...

Giving you plenty of breathing space while you work on clearing existing credit card debt, the ANZ First Credit Card is a great little money-saver. With its awesome balance transfer offer, this card allows you to transfer the balance from your current credit card, so that it accrues 0% p.a. interest for 18 months. With a year and a half of zero interest, you could really put a dent in that debt.

As for ongoing costs, the ANZ First Credit Card happens to have ANZ’s lowest annual fee. Again, by paying less on fees, you can really concentrate on clearing your transferred balance. On the other hand, if you don’t need to transfer a balance, this card simply works as a low fee card, not costing too much to keep in your wallet.

If you choose to add family members to the account, you can add up to three additional cardholders at no extra cost. While additional cardholders can be of benefit on rewards cards (helping you to earn more rewards in a shorter period of time), on cards like the ANZ First Credit Card, adding more cardholders to the account is really just a convenience.

Looking for more ways to save money? With up to 44 days interest free on purchases, you could save on interest when making purchases large or small. To take advantage of this feature though, be aware you need to pay your balance in full by the due date each month. Check out the terms and conditions to find out more.

What’s not so great...

While the ANZ First Credit Card may be a low fee credit card, it’s certainly not a low interest credit card. Both the purchase rate and cash advance rate on this card are relatively high, so it’s best to clear your balance month-to-month, to avoid interest accruing.

If you use the card’s balance transfer offer, know that there is a 2% balance transfer fee, and any balance left unpaid at the end of the intro period reverts to the card’s standard balance transfer rate (which is currently the same as the cash advance rate).

Why should you choose this card?

Despite its name, the ANZ First Credit Card is not just for first-time credit card applicants. While it may work well for first-timers, given its basic features and low annual fee, this card can work for anyone who wants a low fee card with an excellent balance transfer offer. And happily, the card also offers a few nice features to sweeten the deal.

With Visa Entertainment membership, you can enjoy access to special offers, ticket pre-sales and movie screenings. As a cardholder, you can also benefit from complimentary 90-Day Purchase Security Insurance and Extended Warranty Insurance on your purchases, plus all the basics, such as contactless payments, ANZ Fraud Money Back Guarantee and fraud monitoring from ANZ Falcon.

Overall Rating

The perfect money-saver for anyone looking for a low fee credit card, the ANZ First Credit Card offers a superb 0% balance transfer offer, complimentary insurances and all the basic features you expect from a credit card.

53 questions (showing the latest 10 Q&As)

Sam

Sam

9 April 2019
I have a few enquiries on my credit report as I was applying for a Car loan. My credit score might be low due to enquiries. It has been 10 months as a PR. Will I get approval on the application.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 April 2019
    Hi Sam, if you have multiple recent car inquires on your credit report. Then its likely that you will be declined for a credit card application. It makes you look credit hungry. The banks gets concerned about this and your ability to pay the debt. I would hold off on applying for a credit card right now. Read our credit card application tips.
Hussein

Hussein

3 April 2019
Hi Roland, I have terrible credit when i first moved out of home two years ago i applied for multiple cards within one day, long story short i screwed my credit i also have a default with a payday lender and my question what is the best way to get this mess fixed, I have no been in a fulltime go for a year and some change
Ulisha shrestha

Ulisha shrestha

14 February 2019
What is the maximum amount of credit card limits for students and who is in dependent visa? Is it possible for full time students to get more than $1000 credit card limits?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2019
    Hi Ulisha, there is no defined credit limit for this card. Yes it is possible to get more than $1,000 limit. You can specify the credit limit you want when you apply. Based on the information you provide on income, expenses etc then the bank will assign a credit limit if you are approved. They control the amount and you have no real idea what they will provide until you apply. If you are not happy with the credit limit they provide you can complain about it. Then if they do not improve it you can cancel the card before activation with no penalty. If you are a student you should apply for the Student version of this card. https://www.creditcard.com.au/anz-first-for-students-credit-card/
Olwyn Petermann

Olwyn Petermann

5 December 2018
Please delete my question from your page. I wasn't aware that it would be made public.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 December 2018
    What was your question?
GRIZ

GRIZ

20 September 2018
What if i don't have a good credit history because i was applying my first credit card. I still get a chance to approved even if i dont have any credit history? My p.a is more than $15,000 and I'm a fulltime employee more than 4 months and also I'm a permanent resident in australia.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2018
    Hi Griz, this card is designed to be your first credit card. Therefore they cannot expect that you have a long credit history. If you have had a mobile phone on a plan and been paying the bill always. Anything like this it builds your credit. If you are keen I would have a go. You meet the minimum requirements. Best of luck with your application. Make sure you pay off the card, due to the high interest, in full each month. Your credit will grow then you can look at a credit card that can deliver more.
Rebecca

Rebecca

18 June 2018
Hey, 2 years ago a default was paid in which I didn’t realise I had. I have a full time job and am paying off a personal loan of 14thousand through my bank in order to get a car after my old car died. I was wondering I have any chance of being approved for this card. I have been paying everything on time and since my default accident two years ago haven’t had any issues.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 June 2018
    Hi Rebecca, it will depend on what the default was for also. If you have a personal loan and have been paying it off with no problems this is a good sign. If you have not applied for a credit card for some time it is worth a shot. If you are declined then it may mean you will have to wait until after the default comes off your credit file. Approval depends on a range of factors such as income v expenses, assets v liabilities and your credit history.
Olwyn Petermann

Olwyn Petermann

14 June 2018
I recently applied for a credit card with a low balance but was denied as I have one default with a telco that is marked as settled. Otherwise no other credit issue. Would I be eligible for an anz first card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2018
    Hi Olwyn, if you recently have been declined based on your credit history. Then it is unlikely that you would be approved for this card. I had a mark on my credit file and I could not get credit again until it was removed. Every persons financial position is unique. Thus if you have great income v expenses, assets v liabilities, then you should be able to get approved.
Andrew

Andrew

12 June 2018
Hi Roland,I have a credit score less than 500 but own my home and have a few enquiries on my file this year due to some renos and my recent purchase on my home, i have no defaults.Id ideally appreciate a balance transfer, could you recommend one card for me that would likely work in my favour? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Andrew, having a property is definitely a massive positive. How much are you looking to balance transfer and from what bank(s)?
James Cameron

James Cameron

11 June 2018
How can I locate my up to date account summary or expenditure for the last month ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2018
    Hi James, log into your online banking to view the most up to date information on purchases on your ANZ credit card. There is also a smart phone app if you would like to use this.
Riwaj

Riwaj

11 May 2018
If i use this card to pay my uni fee online what percentage of interest should i pay? Is there any extra cost besides interest monthly or one time?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2018
    Hi Riway, if you use this card to make a payment for e.g. $5000. You previously had a balance on the card, therefore no interest free days. Then each day that any amount remains unpaid the amount will be attracting the purchase rate of 19.74% p.a. There is no additional costs unless the Uni charges a surcharge for paying with your credit card.
Sean

Sean

18 April 2018
hi there what rating would you need and do you know what credit company they use to get the rating?Cheers Sean
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2018
    Hi Sean, I am not sure which agency ANZ use for credit checks. I assume this could change over time. Though it would be a major one such as Veda or D&B. Bottom line if you have bad credit you are unlikely to get approved for a new credit card.
sue

sue

18 April 2018
How can i remove my comment from the thread? Though I cannot see your email address in any comments. Therefore you would need to email reply back with what thread it is.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2018
    I can just delete it for you - with this one. Which I can do today if you like.
Shannon

Shannon

14 April 2018
Hi, im a discharged bankrupt (sept 17), research says this card would be good for me but then it says you must have a good credit rating, which of course I no longer have. What do you suggest? I know everytime I apply for a line of credit it goes against me so Im hesitant to apply in the first place
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 April 2018
    Hi Shannon, first things I would try for a car loan. Car loan, being secured by an asset are the easiest form of credit to get. For credit card approval, you do need good credit. Therefore this will be a further stage down the road for you.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • A permanent Australian resident or non-Australian permanent resident with more than 9 months remaining on your Visa
  • Minimum income of $15,000 p.a.
  • You have your personal details ready to complete the online application
ANZ First Credit Card
ANZ First Credit Card

ANZ First Credit Card

Updated 16 May 2019

Purchase Rate (p.a)

19.74%

Balance Transfer (p.a)

0% for 18 months 2% BT fee applies. reverts to 21.49% p.a.

Annual Fee (p.a)

$30

$0 over 18 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Up to 3 free additional cardholders
  • Visa PayWave
  • Low $30 annual fee
  • 0% for 18 months on balance transfers

  • A one-off 2% fee applies to balance transfers
  • High purchase and cash advance rate

Creditcard.com.au review

Editor Review

The ANZ First Credit Card

With its 0% balance transfer offer and low ongoing annual fee, the ANZ First Credit Card could be the perfect option if you’re looking for a way to save money while paying down existing credit card debt. Giving you a whopping 18 months at 0% on balance transfers, this card completes its offering with a handy selection of extras, including 90-Day Purchase Security Insurance and Extended Warranty Insurance.

What we love...

Giving you plenty of breathing space while you work on clearing existing credit card debt, the ANZ First Credit Card is a great little money-saver. With its awesome balance transfer offer, this card allows you to transfer the balance from your current credit card, so that it accrues 0% p.a. interest for 18 months. With a year and a half of zero interest, you could really put a dent in that debt.

As for ongoing costs, the ANZ First Credit Card happens to have ANZ’s lowest annual fee. Again, by paying less on fees, you can really concentrate on clearing your transferred balance. On the other hand, if you don’t need to transfer a balance, this card simply works as a low fee card, not costing too much to keep in your wallet.

If you choose to add family members to the account, you can add up to three additional cardholders at no extra cost. While additional cardholders can be of benefit on rewards cards (helping you to earn more rewards in a shorter period of time), on cards like the ANZ First Credit Card, adding more cardholders to the account is really just a convenience.

Looking for more ways to save money? With up to 44 days interest free on purchases, you could save on interest when making purchases large or small. To take advantage of this feature though, be aware you need to pay your balance in full by the due date each month. Check out the terms and conditions to find out more.

What’s not so great...

While the ANZ First Credit Card may be a low fee credit card, it’s certainly not a low interest credit card. Both the purchase rate and cash advance rate on this card are relatively high, so it’s best to clear your balance month-to-month, to avoid interest accruing.

If you use the card’s balance transfer offer, know that there is a 2% balance transfer fee, and any balance left unpaid at the end of the intro period reverts to the card’s standard balance transfer rate (which is currently the same as the cash advance rate).

Why should you choose this card?

Despite its name, the ANZ First Credit Card is not just for first-time credit card applicants. While it may work well for first-timers, given its basic features and low annual fee, this card can work for anyone who wants a low fee card with an excellent balance transfer offer. And happily, the card also offers a few nice features to sweeten the deal.

With Visa Entertainment membership, you can enjoy access to special offers, ticket pre-sales and movie screenings. As a cardholder, you can also benefit from complimentary 90-Day Purchase Security Insurance and Extended Warranty Insurance on your purchases, plus all the basics, such as contactless payments, ANZ Fraud Money Back Guarantee and fraud monitoring from ANZ Falcon.

Overall Rating

The perfect money-saver for anyone looking for a low fee credit card, the ANZ First Credit Card offers a superb 0% balance transfer offer, complimentary insurances and all the basic features you expect from a credit card.

User reviews

ANZ First Credit Card ( based on 4 Creditcard.com.au user reviews )

72% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 19.74% p.a.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 18 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan N/A

Balance transfer fee 2% one off

Balance transfer limit 95% of approved credit limit

Banks you can't balance transfer from ANZ

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $30 p.a.

Additional card holder fee Up to 3 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $20

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Eligible with Apple Pay®, Google Pay™ and Samsung Pay™

Overview

ANZ First Credit Card

This offer with the ANZ First Visa card has a great 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies), reverts to 21.49% p.a. and a low annual fee of $30. The ANZ First card is intended by ANZ to be their customer’s first card. It has a low annual fee and few significant features, designed for sensible use. With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ First card.

Key features

  • 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies). Reverts to standard balance transfer rate, currently 21.49% p.a.
  • ANZ's Fraud Money Back guarantee covering any fraudulent losses
  • With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ First card.
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Entertainment
  • Verified by Visa - free additional online security for transactions
  • Up to 44 days interest free on purchases
  • Up to 3 free additional cardholders

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • A permanent Australian resident or non-Australian permanent resident with more than 9 months remaining on your Visa

  • Minimum income of $15,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

53 questions (showing the latest 10 Q&As)

Sam

Sam

9 April 2019
I have a few enquiries on my credit report as I was applying for a Car loan. My credit score might be low due to enquiries. It has been 10 months as a PR. Will I get approval on the application.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 April 2019
    Hi Sam, if you have multiple recent car inquires on your credit report. Then its likely that you will be declined for a credit card application. It makes you look credit hungry. The banks gets concerned about this and your ability to pay the debt. I would hold off on applying for a credit card right now. Read our credit card application tips.
Hussein

Hussein

3 April 2019
Hi Roland, I have terrible credit when i first moved out of home two years ago i applied for multiple cards within one day, long story short i screwed my credit i also have a default with a payday lender and my question what is the best way to get this mess fixed, I have no been in a fulltime go for a year and some change
Ulisha shrestha

Ulisha shrestha

14 February 2019
What is the maximum amount of credit card limits for students and who is in dependent visa? Is it possible for full time students to get more than $1000 credit card limits?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2019
    Hi Ulisha, there is no defined credit limit for this card. Yes it is possible to get more than $1,000 limit. You can specify the credit limit you want when you apply. Based on the information you provide on income, expenses etc then the bank will assign a credit limit if you are approved. They control the amount and you have no real idea what they will provide until you apply. If you are not happy with the credit limit they provide you can complain about it. Then if they do not improve it you can cancel the card before activation with no penalty. If you are a student you should apply for the Student version of this card. https://www.creditcard.com.au/anz-first-for-students-credit-card/
Olwyn Petermann

Olwyn Petermann

5 December 2018
Please delete my question from your page. I wasn't aware that it would be made public.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 December 2018
    What was your question?
GRIZ

GRIZ

20 September 2018
What if i don't have a good credit history because i was applying my first credit card. I still get a chance to approved even if i dont have any credit history? My p.a is more than $15,000 and I'm a fulltime employee more than 4 months and also I'm a permanent resident in australia.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2018
    Hi Griz, this card is designed to be your first credit card. Therefore they cannot expect that you have a long credit history. If you have had a mobile phone on a plan and been paying the bill always. Anything like this it builds your credit. If you are keen I would have a go. You meet the minimum requirements. Best of luck with your application. Make sure you pay off the card, due to the high interest, in full each month. Your credit will grow then you can look at a credit card that can deliver more.
Rebecca

Rebecca

18 June 2018
Hey, 2 years ago a default was paid in which I didn’t realise I had. I have a full time job and am paying off a personal loan of 14thousand through my bank in order to get a car after my old car died. I was wondering I have any chance of being approved for this card. I have been paying everything on time and since my default accident two years ago haven’t had any issues.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 June 2018
    Hi Rebecca, it will depend on what the default was for also. If you have a personal loan and have been paying it off with no problems this is a good sign. If you have not applied for a credit card for some time it is worth a shot. If you are declined then it may mean you will have to wait until after the default comes off your credit file. Approval depends on a range of factors such as income v expenses, assets v liabilities and your credit history.
Olwyn Petermann

Olwyn Petermann

14 June 2018
I recently applied for a credit card with a low balance but was denied as I have one default with a telco that is marked as settled. Otherwise no other credit issue. Would I be eligible for an anz first card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2018
    Hi Olwyn, if you recently have been declined based on your credit history. Then it is unlikely that you would be approved for this card. I had a mark on my credit file and I could not get credit again until it was removed. Every persons financial position is unique. Thus if you have great income v expenses, assets v liabilities, then you should be able to get approved.
Andrew

Andrew

12 June 2018
Hi Roland,I have a credit score less than 500 but own my home and have a few enquiries on my file this year due to some renos and my recent purchase on my home, i have no defaults.Id ideally appreciate a balance transfer, could you recommend one card for me that would likely work in my favour? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Andrew, having a property is definitely a massive positive. How much are you looking to balance transfer and from what bank(s)?
James Cameron

James Cameron

11 June 2018
How can I locate my up to date account summary or expenditure for the last month ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2018
    Hi James, log into your online banking to view the most up to date information on purchases on your ANZ credit card. There is also a smart phone app if you would like to use this.
Riwaj

Riwaj

11 May 2018
If i use this card to pay my uni fee online what percentage of interest should i pay? Is there any extra cost besides interest monthly or one time?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2018
    Hi Riway, if you use this card to make a payment for e.g. $5000. You previously had a balance on the card, therefore no interest free days. Then each day that any amount remains unpaid the amount will be attracting the purchase rate of 19.74% p.a. There is no additional costs unless the Uni charges a surcharge for paying with your credit card.
Sean

Sean

18 April 2018
hi there what rating would you need and do you know what credit company they use to get the rating?Cheers Sean
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2018
    Hi Sean, I am not sure which agency ANZ use for credit checks. I assume this could change over time. Though it would be a major one such as Veda or D&B. Bottom line if you have bad credit you are unlikely to get approved for a new credit card.
sue

sue

18 April 2018
How can i remove my comment from the thread? Though I cannot see your email address in any comments. Therefore you would need to email reply back with what thread it is.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2018
    I can just delete it for you - with this one. Which I can do today if you like.
Shannon

Shannon

14 April 2018
Hi, im a discharged bankrupt (sept 17), research says this card would be good for me but then it says you must have a good credit rating, which of course I no longer have. What do you suggest? I know everytime I apply for a line of credit it goes against me so Im hesitant to apply in the first place
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 April 2018
    Hi Shannon, first things I would try for a car loan. Car loan, being secured by an asset are the easiest form of credit to get. For credit card approval, you do need good credit. Therefore this will be a further stage down the road for you.

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