Afterpay just reduced my available amount to spend without explanation. I got in touch to understand why, as I have been using the service for over 2 years and always paying in time and their reply was just an automatic thing, totally “I don’t care “ and someone called Cameron was totally rude when I got back again asking for a decent explanation.
So disappointed as I’ve been a good customer that was always telling my friends to try the service.

Discusting useless, customer service, even by supervisors!! Avoid afterpay!! Go elsewhere this company does not care what so ever if you have a gold credit rating, worst worst customer service i have ever encountered, useless useless Do not use!!

I dislike the update on the app. I prefer seeing how much I owed (14 days, 30 days etc) compared to how much I can spend. If I wanted to see how much I could spend I would just click on the voucher. It feels like a sneaky way to encourage people to spend instead giving people clarity on their payments.

Not helpful, just out to have people shop and get into debit. Be careful you will not get any satisfaction out of this company and they will not help you. It is making you spend excessive.

Customer service is well below par, staff don't even read the messages they eventually may respond to, have no knowledge of their own policies or just refuse to explain anything, are incapable of addressing customers correctly in messages and threaten customers when they get annoyed. Stay well clear!

I am taking Afterpay to Fair trade ombudsman.
I was scammed $80 and Afterpay refuse to help me get my money back at all, say its my own problem. Will never use Afterpay again.

Disclaimer: I am not offering any financial advice but financial wisdom cows with knowing what you sign up for and I am not affiliated to any bank or Afterpay.

Using $1000 as a base credit value with Afterpay you just pay back $1000 in 8 weeks whereas for example, with NAB ‘0% interest’ card you end up paying $1020 in 2 months. Banks do a credit check that will dent your score, Afterpay doesn’t. Banks charge you monthly fees (no interest) and Afterpay charges the retailer a fee not you.

Credit cards are versatile for travel and paying for things like car hire overseas but with Afterpay it’s just for domestic use.

The choice is yours.

I contacted afterpay to get an extension of two weeks due to financial hardship. The amount was under $100.00. I received an email from the reassuring me that payments and notifications were turned off til that date (two weeks time).
However they lied. I lent some money to tide me over and afterpay took it all that same night.
I contacted them immediately but got the old nothing we can do now crap
I know it's so temping but please avoid them for your financial health.

App says I can use $500 to make purchases, try to make purchases in store and they are declined due to ‘insufficient funds‘, even though there are PLENTY of funds available on the linked credit card. Very embarrassing. Use that same credit card with PayPass and transaction is approved. The problem is with Afterpay. There also also random times when a barcode cannot be generated.

Support is useless they just reply back with copy and paste scripted responses.

Tried to use via a new EBAY (test it out) and to take advantage of 4 payment option.
Could not setup the account as using a different email address, as I have many but would only link to one phone and one email. Support was via email and no desktop access only via mobile app.
Just a little difficult to use. Suggest to avoid!

They clearly don’t care about loyal customers. I would never recommend using them at all and I will tell everyone I know what has occurred and try and get them to use any other facility.

I purchased sunglases via Afterpay. I set another debit card as my primary after 1st of 4 payments. On my second payment Afterpay still debitted from my previous debit card.

Great way to purchase something when you don't have the cash at hand, just like lay-by, never any problems, any problems someone is always there to help you out, will totally use again

It used to be ok at the beginning however its more about money not customers lately..However they have been ok with me I just didnt like when I worked so hard to have a high limit and spent alot they took it down all because I choose to help someone.. now with zippay much better.

They clearly don’t care about loyal customers. I would never recommend using them now I know the way they react or fail to act when you need to try and sort something out. I will tell everyone I know what has occurred and try and get them to use any other facility

Ebay refunded a purchase and I am still waiting for it from Afterpay after nearly 2 weeks. Submitted an enquiry and got a "have you restarted your computer" response. Terrible service!

Never missed or late with a payment and they have stopped me using after pay , I’ve asked why and they will not give an answer only suggestions so I closed the account. I use zip pay instead and prefer it.