hello, i got a NAB visa debit card that works just like a credit card but the amount is taken straight from your funds. normally when you use your card to pay at the register you will be asked whether credit savings or cheque. but if you like a credit card, you should build up a credit history like mentioned above - up to 6 monthssuzie5555 said:Due to arrive in Perth in July on a 457 sponsored visa for emplyer in Perth. Are we able to apply for credit card before arrival?