P&N Bank Credit Cards

You’ll need to activate your P&N Bank credit card before you can use it. You can activate your credit card by contacting P&N Bank on 13 25 77 or by visiting a local branch.

Yes, you can manage your P&N Bank credit card through online banking. By using the P&N Bank online banking service, you can activate and deactivate your cards, view your recent transaction history, view your balance, and more.

Source: PN Bank

When interest is charged

On a P&N Bank credit card, interest is calculated daily whenever you carry a balance on your card. Cash advances and BPAY transactions don’t have any interest free period.

When interest is not charged

Up to 45 interest-free days apply to purchases made by both of the credit cards as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days,?check out our article on how they work.

Your credit limit for a P&N Bank credit card will be determined based on the information you provide in your application, within the minimum and maximum credit limits (see above).

You can ask P&N Bank to change your credit limit at any time, and they may approve or reject this request based on their lending criteria. Find out more about how credit limits are determined here.

You may close your P&N Bank credit card by written request to them at any time. After cancelling you need to ensure that you stop any use of the card and that your remaining balances are paid off. You will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your credit card with P&N Bank because you’re struggling financially, contact its financial hardship team to find potential solutions.

If you’re cancelling because you are dissatisfied with your current card, then you might want to consider checking out what other credit cards are on the market by comparing with the Canstar website:

Compare Credit Cards

P&N Bank have been in the Western Australian community for over 23 years.

They run a program called Helping &nds, in which members have the opportunity to nominate an individual or a group who are facing financial hardship. Visit their Helping &nds page for some more information.

On top of this, P&N Bank also sponsors a wide range of organisations and community groups including:

• Nine News WA Police Excellence Awards
• RSPCA Kennel Sponsorship
• Cancer Council Western Australia

Source: PN Bank