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Balance Transfer Request

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                  FreePost Authority Number 331, Auckland, New Zealand.
                                                                                                                                                         BNZ credit cards

New Zealand
Wellington 6140
PO Box 2579
                                                                                              For staff use only

                                                                                              Banker name:                                               Balance Transfer
                                                                                              Staff number:

                                                                                              Contact number:
                                                                                              Campaign code:

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                                                                                             0800 800 667

                                                                                      2037                                     40403 09/09
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Transfer your outstanding balance                                              Your details                                                                                        Conditions of Acceptance
to your BNZ credit card.                                                      * Write your BNZ credit card number here:
                                                                               (an American Express card has only 15 numbers)
                                                                                                                                                                               1. Any transferred balance must be a debit balance on another bank’s credit card or an
                                                                                                                                                                                   accepted store card and your Card must remain within 95% of its credit limit after the
                                                                                                                                                                                   balance has been transferred.
Balance Transfer takes the current outstanding balance from another                                                                                                            2. Must be completed in dollars and cents, and be a minimum of $500.
                                                                              * Name as on your BNZ credit card:
bank’s credit card and moves it to your existing BNZ credit card.                                                                                                              3. The balance transfer is subject to BNZ approval.
                                                                                                                                                                               4. BNZ reserve the right to refuse a balance transfer request.
To find out the current interest rates call 0800 800 667 or visit                                                                                                    5. BNZ will only transfer the balance as shown on the form and accepts no responsibility
                                                                              * Home telephone number:                      * Work telephone number:                               for transactions which are not included in the balance as shown on the form.
                                                                                                                                                                               6. Six months after the date your balance transfer is made, any balance transfer amount
                                                                                 (      )                                       (         )                                        still unpaid will revert to the standard annual purchase interest rate.
                                                                                                                                                                               7. If additional transactions are debited to your existing credit card over and above the
                                                                                                                                                                                   balance transfer amount you have specified, you will remain liable to repay those
How do I make a Balance Transfer?                                              Details of the non BNZ card you want to transfer from
                                                                                                                                                                                   additional debts to your other bank account and we may not be able to action a
                                                                                                                                                                                   request to close that other credit card account.
                                                                                                                                                                               8. Balances may only be transferred from non-BNZ New Zealand issued Visa,
                                                                              * Write your credit card number here (non BNZ issued credit cards only):                             MasterCard, American Express, Diners, GE CreditLine, The Warehouse Financial
> You can transfer the outstanding balance from any New Zealand                                                                                                                    Services Credit and Store Cards, Fisher & Paykel Finance issued Q Cards and Farmers
  issued VISA, American Express or MasterCard (except BNZ                                                                                                                          Cards. Excludes BNZ issued cards.
  issued credit cards) as well as Diners Club, GE Creditline Cards,                                                                                                            9. If a payment is due on the other bank’s credit card or charge account within the next
                                                                              * Name as on your credit card:
  The Warehouse Financial Services Credit and Store Cards,                                                                                                                         10 business days from the date you posted the application, please make the payment.
  Fisher & Paykel Finance issued Q Cards and Farmers Cards.                                                                                                                    10. BNZ accepts no liability for late payments or any other payments arising from closing
                                                                                                                                                                                   of your bank’s credit card and will not be liable for any overdue payment or interest
> There are no loyalty points or interest free days                                                                                                                                incurred.
                                                                              * Name of issuing bank/company:
                                                                                                                                                                               11. We will charge interest on any balance transferred from the date your debit balance
> If you don’t have a current BNZ credit card, you will need to                                                                                                                    transfer is made until you repay the transferred amount in full.
  complete an application. You can do this online at                                                                                                                 12. Balance transfers are not eligible for loyalty points.
  or call 0800 800 667 for an application form.*                                                                                                                               13. Payments to other card issuers will normally be completed within ten business days
                                                                               Close and Transfer                                                                                  from receipt of your request.
To transfer your balance simply complete the form and freepost it back                                                                                                         14. This request is not an application for an increase in credit limit.
to us (balance transfers are subject to approval).                             * The amount to transfer is                            $                           .            15. All payments to your BNZ Credit Card will be first applied to any fees and interest,
                                                                                                                                    (Must be completed in dollars and cents,       then to any lower interest rate “Balance Transfer balance”, and then the remainder of
* Our normal lending criteria and account fees apply.                                                                               and be a minimum of $500.)                     the current balance in the following order:
                                                                                                                                                                                   1. Cash advances, then purchases processed prior to your current statement.
                                                                                                                                                                                   2. Cash advances, then purchases on your current statement. This will result in
                                                                                                                                                                                       balances subject to a lower interest rate being paid off first.
                                                                                     I'd also like to close the non BNZ credit card account, which has the closing
                                                                                     balance above.

                                                                               If you have more than one card balance you would like to transfer to
                                                                               your BNZ credit card simply photocopy this form, or download a form
                                                                               at                                                                             Sign and send
                                                                               * Mandatory details.
                                                                                                                                                                                   I confirm that I have read, understand and agree to the conditions
                                                                                                                                                                                   of acceptance.
                                                                                                                                                                                   Account Owner:                        X
                                                                                                                                                                                   Date:                                  D        D       M       M       Y       Y

                                                                                                                                                                                   Additional/Joint Cardholder:          X
                                                                                                                                                                                   Date:                                  D        D       M       M       Y       Y