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More about the Harris Scarfe Value Plus Card

 

HS Value Plus Card Application Form

Click here to apply online now

Click here to download an application form

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Please fill out your details on pages 2 & 3 and send it to us at:

New Account Manager
Harris Scarfe Australia Pty Ltd
GPO Box 452
Adelaide SA 5001

Alternately fax your completed application form to (08) 8150 5808 or take it to your nearest hs store and our friendly team members will be able to help you out.

If you experience an problems or have any questions, please feel free to contact us on harrisscarfecard@harrisscarfe.com.au or ring 1300 131 444.

Enjoy the huge savings!

 

PAYING FOR YOUR VALUE PLUS CARD

There are numerous ways of paying your Harris Scarfe Value Plus Card Account:

- In person at any register in a Harris Scarfe store
- Send a cheque or money order by mail to PO Box 900 Adelaide SA 5001
- Direct Debit - Please phone our call centre on 1300 131 444 to arrange for your monthly payment to be made automatically from your bank account
- BPAY over the phone or Internet. The Harris Scarfe biller code is 24455
- At an Australia Post Billpay outlet, over the Internet (postbillpay.com.au), by phone 13 18 16 or in person at any Post Office Billpay Code 0509
- By calling 1300 135 471 using Bankcard, MasterCard, Visa or Amex

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HELPFUL HINTS TO MANAGE YOUR VALUE PLUS CARD ACCOUNT

How to manage your purchases and maintain a good credit history

  • From the 1st July 2012, your Harris Scarfe Value Plus and Value Plus Gold cards statement reflected additional information. Harris Scarfe Value Plus and Value Plus Gold Cards allow you to buy now and pay later. As the Harris Scarfe card is a convenient way to shop it can be tempting to overuse it and therefore shop outside your budget.
  • Knowing how to manage your spending and realising the importance of having a good credit history, will help to keep your account in good order. Below are some tips to achieve this.
  1. Be aware of your credit limit so you don’t exceed it.
  2. Check your available credit before purchasing. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 so you know how much credit is available.
  3. Know your payment due date. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 to ensure your payments are received on time. (Fees and charges may apply for late payments - refer to the Value Plus Card Key facts section).
  4. Pay at least the minimum due amount each month. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 to find out how much this is and when it is due.
  5. Minimise interest charges by paying your statement balance in full each month or the minimum due amount to lessen the interest charge.
  6. Review your monthly statements to ensure all transactions are correct.

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How to manage your minimum repayments

Your Harris Scarfe Value Plus and Value Plus Gold Card statement will provide you with the information on how long and how much it will cost you if you only make minimum repayments on your account. Your statement will reflect the minimum amount you need to repay (including arrears) to keep your account in good order. It also includes more information about paying off your outstanding balance by making the minimum repayment each month.

The minimum repayment warning

The table that appears in your statement shows the total time it would take to repay your current balance if you only pay the minimum amount due shown on your statement each month as well as estimating the total interest charges that would be applied to your account over this time.
It also calculates the amount you will need to pay off each month to clear your balance in 24 months (2 years). The calculations reflected in the table in your statement are based on the total interest charges that you would pay in this 24 month period, and how much interest you could save compared to only paying the minumum amount.
The calculations used in the table are based on the closing balance of your statement and assume that you have no further transactions to your account.
When estimating the total time needed to repay your current balance in full and the monthly amount needed to pay off your account in two years, we assume that your statement is issued on the same date each month and that you always make your monthly payment on the payment due date.

Statement table

If you make no additional charges using this card and each month pay ….. You will pay off the Closing balance shown on this statement in about …. You will pay off the Closing balance shown on this statement in about ….
only the minimum payment xxx months $xxxx.xx
$xxxx.xx xx months $xxx.xx a saving of $xxxx.xx

This calculation is an estimate only.; the actual amounts may be higher or lower. Your Card balance is the outstanding balance on your credit card. It is the closing balance on your last credit card statement, plus any additional money you spent on your Card plus any interest and fees incurred since the end of the last statement period (check your last credit card statement).
If paying only the minimum due each month, you will pay more interest and it will take you longer to pay off your balance 
If you only pay the minimum payments on your account each month, the interest you pay may end up being more than the original debt. For many Cardholders the time it will take to pay off this balance at the minimum amount could run into years.

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What can you do to pay off your account faster

By regularly repaying more than the minimum amount by the billing date every month you can reduce the amount of interest you pay. The more of your balance that you pay off now, the less interest you will pay.
The Minimum Repayment Warning on your statement will show you the payment you should make each month to pay off your balance in 2 years. You will also be able to see how much you save in interest by paying more than the monthly minimum amount.

The Australian Government calculator can be found by the following link:Money Smart credit card calculator.

VALUE PLUS CARD KEY FACTS

 To view the Value Plus Card key facts click here

TERMS & CONDITIONS

To view the full terms & conditions of the Value Plus Card click here

CREDIT CONTRACT

To view the details of the Value Plus Card Credit Contract click here

 

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