GE Money CreditLine
Verified155 reviews
GE Credit line is a pathetic excuse for a company now. We’ve had this card for twenty years. Initially it was useful as long as you never failed to pay off items before they became due and always made extra payments if required. Then the monthly account keeping fees kept going up and up. Then they get hacked after doing the bare minimum to help… Read more
keep their clients safe. Then they raise the fees yet again even after failing to protect our financial information. Then they insist on switching you to another card that will no doubt come with hidden conditions. This changes the due date of your payments and apparently GE no longer sends me payment alerts. I get a statement telling me to log in and find out for myself when it’s due. On my account it clearly has a request for alerts. So I contact the company and ask why this is not happening anymore. It is worse than a Monty Python skit as they refuse to answer the question over and over, all the while asking if that satisfies my inquiry? Basically don’t expect anything from these guys anymore, and if they can charge you, overcharge you, or cause you to miss a payment they will. And then they will ignore you or pretend to not understand the question. Company’s like this cater to the financially vulnerable my advice is to avoid them if you are in such a position or struggle to be proactive and timely with your repayments. I haven’t activated the new card they sent me and they started sending me offers for an $150.00 E-gift card if I will only pick it up and spend some money. Not interested after this experience with their Customer service. Will pay off my account and close it down rather than risk dealing with them anymore.
ANGRY !!!!! – I have just finished a phone call with the Indian call centre !!! 50mins on hold & 200 people waiting in front of me !!!!! When I asked how can there be 200 people in front of me , he stated that alot of customers are calling ( I said " you mean complaining " ) because of recent changes that commenced in July 2024 I have had the creditline… Read more
credit card since 2020 with a ZERO balance since 2022 .
My lastest statement arrived saying I was overdue $22.85. This is for two monthly service fees & two monthly paper statement fees !!!!
I told him I will not be paying these fees & I want the account closed ... At first he said he did not have the authority to credit those fees , I asked to speak to a supervisor , he told me they are too busy. I demanded the $22.85 be credited & this account CLOSED or I would be taking this matter to NSW Fair Trading & suddenly he had the power to credit the $22.85 !!!!
I asked for a receipt number for this phone call which I was given , then he told me that the Account has been closed & I will receive a "closure" letter within 5 - 10 working days !!!
Don't give up if you are in the same position that I was . Reading the reviews , it appears that there are sooo many similar stories !!!!
This company is BODGY & we all know it !!!!
New $10.95 card fee means bye bye GE – I had a GE Creditline account for years having paid off the account in 2022 (bal $0) and hadn't used it since then. Received a text message that we had an amount owing due 25 Aug 24. Checked the account and they had slapped on a $10.95 mthly fee. Rang GE and got thru to an overseas call centre. I was advised that this was a monthly which would… Read more
continue to accrue even if no purchases were made. I wanted to close the account but had to pay the fee first. What a rip-off. I will never again deal with GE.
Positive reviews
Only way to buy things – Have had it for about 30 years. Never paid interest, because I pay up on time. Spoke on phone, very helpful, and just have to login to my account to see my statements, would highly recommend. Show details
Had the card for years! – I don’t mind paying a monthly fee, buying items without using cash & up to 60 months interest free to pay it off is great. I personally would not be able to purchase big ticket items outright & am thankful that Creditline enable me to do so. Show details
Best way to buy big ticket items – My wife and I have used G.E for over 10 years and never had to pay interest, we know G.E charges around $1 for each repayment and $4 per month admin fees but we don't mind these small fees. If you show some discipline and stick to a good repayment plan you too can make the most of interest free credit. Go for it we reckon. Show details
Negative reviews
Please Help ! – I love my GE card but unfortunately when you need to a representative you are not dealing with someone in Australia anymore and my account has been grossly mismanaged! I’ve sent in a complaint but said it could take 30 days to answer? I’ve had the last 3 representatives mess my account up and I’m super unhappy to put it politely! How do I speak to someone in one of Australia’s capital cities??? Show details
Dissapointed – We have been paying off a 60 month interest free for nearly 55 mo ths and have always made payments on time and have always had the payment the same amount during that time We opened our latest statement to find we had a $35.00 late fee We made enquiries as we always make the payment before the due date We were told we were $1.95 short on… Read more
our last payment due to the service fee changing from $6.99 to $9.99 We never received any notation of this increase other than it appeared on our last account As we had been paying the same amount for 55 months we hadn’t checked the statement thoroughly (buyer beware) I am disappointed that a company I have dealt with for a number of years could treat their customers in this way Since paid account out in full and will never have to deal with them again
Staff do not know what they are doing – Had 2 payment plans, one payments deferred 18 months, the other, monthly payment. I paid the monthly payment out,so I thought; they took the $350 of the payment deferred account,charged me late fee on account that was supposed to be all paid up. Then with the only account payable, deferred no payment 18 month. As I did not pay a monthly service… Read more
fee, I got stung late fee. On phoning them I told them, in over 40 years, I never ever paid monthly service fee, each monthly paid it at the end of deferred payment time; they said, no it is a monthly payment. So I got all my old paperwork, told them, at no time have I ever paid service fee each month, have proof in my hand. You are wrong, So I asked them closing balance, owed $1099, paid an extra $120 for their so called late fee, and owed service fees. owing with service and later fee . I got the payout figure, paid them out never using them again ever, 40 years with them many thousands spent, dont touch them with a barge pole. Also watch out for the scam they do: if you have 2 payment plans, say one for $500 and one for $1500 payment deferred for 18 months, and you go to post office and pay them $500 , they will take the money off the $1500 plan, leave you thinking you've paid off one account in full; but you still owe the original $500 on it, then hit you with late fee. If that happen to you, phone them tell them Consumer affairs; I did, and made them pay the first account out and retract the late fee.
Recent reviews
Stuff,natural disaster victims – Was a victim of floods. As I was in Wollingbah emergency PODS(who holds no letter boxes or mail delivery) I was unable to get any mail. Therefore missed 3 payments as my past address was unliveable.Due to Floods I was a costumer of Lattitude (GE CARD) For over 13 years and spent aproxamitly 25k in these 13 years. Got NO sympathy.Cut my credit when… Read more
going to buy my furniture after the disaster PS I Only owed $500 You disgusting [Content Removed] Yes That’s the only name for you guys,after such loyal credit and business. That’s how you treat Aussies in hardship [Content Removed]
Please .I’m dumb founded I had a perfect credit rating as said. If you are a true Australian Look… Read more
Anyone know if I can use a credit card to pay off my GE creditline card? – Just wanted to ask if anyone knows If it was possible to pay off my Ge credit line. Card with another credit card? l had that option before but can't seem to find it again Show details
Do not recommend – You will have to spend a lot of time to talk with someone over the phone to solve anything. You will pay for paper fees! Even without receiving any letter in your house. There are other fees that I don't remember right now but, do not buy anything using this company! Save yourself from headache and frustration. Show details
Find out how GE Money CreditLine compares to other Low Rate Credit Cards
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Disgusting customer service and unauthorised withdrawals from my streamline account – I am so sick of how my account was handled. There’s too much crap around with how my account was dealt with causing me stress and confusion within the last few days and charging me 2 dishonour fees for reasons that aren’t my fault. I went through creditline for interest free payments on my Apple purchase. 1) my streamline account was overdrawn… Read more
the full amount of my Apple purchase. On top of the 2 $64 I tried to process. So I might as well have just paid for it upfront. 2) I got 2 dishonour fees as this whole amount now was returned to my streamline account including 1 $64 payment. 3) before I had knowledge of this I just wanted to close my account because of my atrocious interaction with the customer service team as I waited 30 minutes on the phone only to be not helped at all whatsoever, to be condescended and to have them repeat irrelevant information when I can’t even access the online site 4) I got this letter of direct debit dishonour when I just wanted to close my account. Because it was all paid and I’m just sick of dealing with them. 5) they refunded me the whole amount of the Apple purchase when I just wanted to close my account with them 6) I received no statements whatsoever. 5) I’m trying to pay $62 saying “Pay immediately” because they refunded the unauthorised transaction of the full amount. before my $128 has been refunded and it won’t even let me. And I don’t know what other fees this is gonna slap me with. 6) online site won’t let me log in.
Avoid at all costs. Honestly not worth it .
Robbery – Disgusted with this institution- Latitude fees payment handling fee 95c paper statement 2.50 account services 6.95 then 29.99% interest Never offered assistance through Covid Will certainly advise my clients and friends who not to use. Show details
Absolutely disgusting! Rip off! – This company is disgusting! I have been with them since 2008 and never had a problem until 2018. I have my repayments set up fortnightly as I always have. I went through a really difficult separation and was still making payments yet didn't receive a statement for 2 year's. Applied for a loan to see they were affecting my credit limit which has… Read more
always been good. I've been charged over $1500 in fees. Paid out my account because I've had enough then they charged me an extra $68 in interest after I'd paid! I called and the guy John was terribly rude! I'm disgusted! I've reported them to Consumer Affairs for the second time. I want out! I have paid out my items that were on interest free terms and still being charged $80 per month in interest and payment fee's. $2,700 in interest when my items have been paid for? Money maker's!
WARNING: CreditLine Uses Dodgy Tactics To Make You Pay More Interest – After carefully analysing my CreditLine statement in a spreadsheet, I realised they purposely allocated my repayments to maximise the interest I pay. They allocate $$$ to Apple Finance purchases that aren't due for another 2 years and have a low monthly repayment, yet my older purchases from Harvey Norman from 2020 still haven't been repaid and… Read more
I'm forced to pay interest on them now! Totally unethical practices. Avoid them and just stick with credit cards, at least they're more transparent.
Always looking to charge a late fee and not allocating payment to high $$ value purchases – If our monthly minium payment is $25 and I pay $1000 the month before, if you don't pay $25 the next month you get a $30 late fee. Why, obviously we are well in the black. They used to send out payment reminders or notification of statement via email or sms but that has stopped so i can only assume to catch out as many consumers as possible to… Read more
cash in on the late fee.
Customer service is hard to deal with so ensure you have your facts and ask for a transcript of the conversation. Our last issue was new low $$ purchases being paid off first when older high value purchases were not having any money ollocated to them. This meant massive interest charges older items although they were paid off in time. Took some effort but they finally reversed the charges but only after alot of time on the phone and online chat.
Mixed But Overall Not Happy – We have had a GE Creditline card since we bought a dishwasher in our first home. That was over 20 years ago. When GE Money was in control of the company overall it was a good credit product and pretty well did what it said on the tin. We would go to Hardly Normal and purchase a widget for the house and put on 2,3 or 4 years interest free and I… Read more
would budget the payments and no problem.
One issue to be aware of is the payment is due in three weeks from the date of the statement, not four. As long as this is kept in mind it works fine.
I have never been charged interest.
However, and perhaps this is unfair, Lattitude took over and within a short period of the takeover, COVID appeared. Lattitude seems to be not as good a company as GE was. I cannot tell if it is their policies or the way they market to the retailers however suddenly 24 months interest-free is no longer 24 equal payments (for example) meaning they divert payments to the shortest expiring deal rather than pay down equally any overpayments. Worse you have to call and specifically request them to divert the money as you intended and for goodness sake do not try and arrange for them to do this monthly. They created such a colossal mess in my account I am still not sure it is resolved.
Unfortunately, since Lattitude has taken the finance over I have twice so far had to lodge a complaint via the financial ombudsman's office. The first time they were trying to create a debt for me to pay interest on by not being transparent at the retail point of sale the deal was no payments and no interests and were building up a debt for the future. As I am rigorous in tracking and documentation this was sorted fairly promptly.
The second they hid behind terms and conditions and were uncooperative.
I work in a field where contracts are commonplace. There is a well known saying. He who hides behind the contract terms and conditions loses. This doesn't mean they won't get paid. What it does mean is I am here telling everyone about it, and have also smashed our debt to them by over $10,000 and do not intend to expand borrowing with them again. I hope they are happy they got the payment for $800 from me in under 3 months as per their terms and conditions...I am sure it was worth it, it was an excellent business deicision for a finance company.
I guess this is why I am mixed. On one hand, we couldn't have managed without this card in the way we have over the last 20+ years, on the other, it is my intent to completely abandon the use of this card going forward due to underhand and less than transparent sales practices.
I think if a younger person asked me, and was in the same position we were, I would talk to them about using it, the warnings around using it and encourage them to maintain rigid records and control to avoid the more recent practices.
Disgraceful attitude from their "customer service" operator – Kept getting late payment notices and overdraw notices when my account was clearly in the black. After spending an hour and 15 minutes waiting for someone I had to deal with sighs and attitude from the operator. Absolutely disgraceful conduct. They should be shut down. Show details
Not making sense – I have had there card before, which I closed. They asked me to stay and offered incentives to keep it open. I recently reapplied and was declined. I have a good credit score and the same earnings and debit as before... And could not speak to anyone as apparently the computer decides... Show details
Very Sneaky company – Keep an eye on your account, you have to really watch how they allocate money to your interest free purchases otherwise you will get caught out paying interest. We always pay off in time but do our own maths and keep a very close eye on how they allocate money. They pay off purchases early leaving others in arrears. It is not transparent to the consumer. Show details
Find out how GE Money CreditLine compares to other Low Rate Credit Cards
Know better, choose better.
Designed to rip you off, you bet! – GE Money Creditline is the sneakiest organisation among the finance groups that you ever come across. They initial offering is to pay for your purchases, “interest free” purchase from retailers. These are the charges you get on monthly bases during the “interest free” period: $6.95 account service fee $0.95 online payment handling fee (like… Read more
someone standing on their feet with a silver tray holding your account, fee) $2 for statement delivery fee If you choose to take some cash advance fee, they will shaft you with ‘only’ %29.99 pa. GE money makes the banks look innocent. What a joke. ACCC should do something about them.
HEEELLLL NO – The interest is CRAZY. It is NOOOTTT worth it. If you’re considering it because of the partnership with apple, keep looking. If you need a loan, if your stuck for cash don’t fall into the trap of using the card interest at around 22-25% I was young, naive and didn’t consider any options when I went with these guys to purchase my laptop for uni. Lesson definitely learned though! Show details
Keep in mind that the interest doesn’t apply for apple products within a certain number of months.… Read more
Cancel the paper statement is so not easy – They never tell you that you had been choosing for paper statement and charge $2.50 per month without notice. Once you realised, you cannot simply cancel the paper statement from the app, there is no such function from the app. When you contact the helpdesk, they cannot help you to cancel as well. The only way you can do is to register the account… Read more
again from their website, please noted CreditLine and Latitudepay are two completely different website and they are not linked together (even they are the same company), you might register an account from Latitudepay but there is no way to cancel the paper statement. Overall for my process to cancel the paper statement is time consuming. Maybe this is the way for them to earn $2.50 per month from every customer if you feel like cancel paper statement is such a long way process!
No Statements & No Login – How am I meant to get my statements when I can't even log in anymore? Tried to speak with contact centre and their phone dropped out on 4 occasions. They have no idea what they are doing or how their own systems work. If they concentrated on their core business rather than sending promotional emails maybe they could fix this. What a joke! Show details
Tricks and fees - BAD- Warning – So many tricks the customers and make more money. 1. I was getting charged $33 late fee, because I paid my bill 1 day EARLY 2. No way to contact them, we have to use online chat, way too hard and time-consuming 3. No statements received, by email, but they do send promotional emails. 4. I have to follow up with them and request a bill so I can… Read more
keep an eye on the account, and they charge $2.50 for a statement. 5. $99 yearly fee 6. Payment fee, because I paid my bill $0.95 7.I try and use the contact us page to close the account and it will not let me 8.The contact us form is so hard to use you you have to scroll across month my month to lower the year, in my case 43 years x 12 months to get to my birth date”15 min to do" 9. You only get a 14-day window to pay 10. If you pay extra it will not be taken from next months payment, so you can’t pay in advance 11. I asked to close the account, the next day its still active 12. No confirmation on the closed account 13. I paid every cent owning they gave me the figure to the date, now Im $0.50 cent in credit, so they don’t close the account. 14. I started paying monthly to reduce the fees for processing my payment $0.95 x 4 , but ended up with the late fee $33 15. A strange fee called “ Billed finance charges” --- whatever that is
Impossible to get statement – I have been trying for days to download a statement that won’t download, spoke to approximately 6 different people, all telling me it is ready to download, 1 sent me a link but still unable to download, for $728 it is causing me more grief, tonight they were supposed to email me the statement, but yet again let down, so I suppose back to wasting valuable time tomorrow on the phone Show details
Bad service – Worse customer service ever. I even can hear his sigh and jesus thru phone. He just wants to go home and sleep? Luckily I was going to this site to watch the review first before end up great a card with them Show details
Horrible. Avoid at all costs! – Absolute crap. I will give you my story of this card for background. I signed up for it as they were the apple approved lenders for a new phone. 12 months interest free, I thought great, i can get my new phone and have the loan paid off in a couple months. Wrong. Card got stolen and the account got frozen due to fraud investigation, in that… Read more
time I was unable to make repayments or do anything with the card, I was left sitting in limbo, even though I had the money sitting there to pay it off. I thought fair enough thats fine they have to lock the account.
Unfortunately on top of this the investigation lasted 12 months - I no longer had an interest free card, I had a card with the interest akin to a payday loan. Astronomical account keeping fees, repayment fees along with any other fee they could tack on.
Their communication is crap, their website doesnt work half the time so you cant make repayments - I even sit here right now waiting for their page to load so I can make another payment. Their customer support is crap, half the payment methods do not work. I am positive they make it as difficult as possible to make a payment on their cards just out of spite. Please do not go near these guys unless you absolutely need to.
Also worth noting that these guys also operate under the "interestfree" name, and their website is now interestfree.com.au
AVOID AVOID AVOID
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Edit !! 9 represents from overseas now and every single one of them has grossly mismanaged my… Read more