|Category||Low Rate Credit Cards|
|Minimum Credit Limit||$1,000.00|
|Contactless Payments||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||21.45% p.a.|
|Cash Advance Fee||3%|
|Late Payment Fee||$30.00|
|Annual Fee||$0.00 p.a.|
|Foreign Transaction Fee||3%|
|Interest Free Period||55 days|
|Cash Advance Rate||24.99% p.a.|
|Introductory Rate||0% interest for 6 months on purchases over $250|
Slowest service ever!!!
Slowest Service ever! I wanted pay the amount in full to close the account and I did. They charged 21.45% purchase rate to close the account. Tried to contact them to find what it is for and takes ages to reach them. This is one of the slowest service. It takes your half a day. Regret signing to this crappiest financial service. Its like one person is handling thousands calls sitting on customer service desk.
Very poor customer service
Latitude charged interest despite paying in full and being ahead on repayments. Unable to contact customer service for over a week now. Regret giving business to Latitude. Will stop using their GEM Visa product.
Have GEM visa Card - paid by BPAY when they finally allowed it, still charge 0.95c for the Privilege
Using OS is great making monthly payments is really the pits. I always pay much more & never pay interest ever. Latitute has this perverse system where one has to pay for use of BPAY. They recently changed sending email to say set up BPAY but nothing about continuing to pay the 0.95c for the privilege for using it. I did just that paid $1000 & got charged 0.95c, so I will not be doing that ever again. Latitude needed to say in the email that BPAY would still attract the charge so one knew one would still be paying for the privilege of paying the card but that's Latitude for you
Destroyed my perfect credit rating
Applied for a Gem Visa so I could take advantage of the long interest free periods offered by HN & JB - the process took over two weeks with any phone communication being extremely difficult to understand due to the language barrier. I was confident I'd be granted the card due to a high salary and PERFECT credit rating, everything seemed to be going smoothly until I was randomly decline right at the end. I'm fine with being declined, however I'm NOT HAPPY that my perfect credit has now been DESTROYED with Latitudes negative mark on it for the next 5 YEARS. Absolutely horrible company to deal with and now they've made it more difficult to seek credit anywhere in the future. Thanks guys!
Rubbish, untrained staff, terrible business process
Oh spending its not a problem, bugs inwebsite, get logged out and cant get back on, cant reach anyone to get help when needed, and staff as I said, just untrained and useless in product knowledge, systems that DONT keep track of progress.
The worst. Don't bother calling either.
Every action I have had from them has been rude and insulting. Despite the fact that every fiscal dealing from my end has been more than up to snuff. Will NEVER use them again. Call center is the very worst I've ever dealt with. Now they are intentionally blocking my account, making it impossible to make a payment so they can try to default me. BEWARE.
This company is a scam trying to appear legit
In the month I've been dealing with them I've experienced lost payments, unclear communication, lost proof of payments, calls for the same thing multiple times. They are obviously trying to scam their customers for everything they can get, while doing the bare minimum to help out. I've placed multiple complaints against them so hopefully others won't make the same mistake as I did.
I was told that you need to pay before the due date to avoid late payments (i.e. you pay before the due date, and you can still be charged late fees). There's no e...asy way to remedy a late payment, and if you try and pay a late payment, they'll "lose" it so they can charge you extra late fees. Basically the whole company appears to be solely focused on deceiving customers so they can charge late fees. Avoid at all costs, I would rather stave to death than have to borrow $10 for bread from these people.
Awful customer service and inaccurate and unfair credit reporting
Lalit the supervisor was extremely unhelpful and frustrating to deal with. He insisted on a position where a missed payment was recorded on my credit file because it failed to reach their account in time because of a bank holiday. He would not consider the circumstances and agree to lift the missed payment report even though I have been paying consistently on the same day every month without an issue. I will be taking this further and seeking a review by the relevant regulator of these unfair practices
Worst customer service
I applied for credit card, they simply declined with no reasoning. By the way they did not call me or emailed me to say it is been declined, I have follow up after more than 2 weeks. worst service.
Please Don’t use
I’ve had a Gem Visa for about 4 year & though Covid l reached out to them for hardship & it was the worse thing l have ever done…I’m not a smart women & for this reason my credit history is a mess.. I have tried talking to them & getting nowhere all they keep say is well you should have known better… if l knew better l would have never have got a Gem Visa please people ask a friend family anyone one else but this company for help l have 1 last payment to make & l will free of this card please don’t cause yourself any pain anxiety or stress the staff in the hardship team have no communication skills at all
If I could give a 0 I would
Terrible company & services!!
I got a gem visa end of 2020. I paid off feb 2021 as got a debt consolidation loan. Amount to cancel account was confirmed and paid and emailed through info and screenshot and account was going to be closed. Then last month (we’re talking a year later) I got a text to say I owed $20. Which I paid - ok accounts not been closed. There then saying I owe more money which I do not and they ring me 5+ times a day which is also harassment asking for this money. Dirt poor service
Don’t go with this group. It’s far from easy
I used Gem finance attracted by their interest free 2 year term to buy a computer
I set up an automatic payment using all the details they provided. They have consistently not acknowledged my payments and I’m on my third call to them to sort waiting over an hour each time. They then send me late payment penalties and interest charges Trying to get information from them such as now you’ve finally found my payments how can I pay off balance and get rid of you- is extremely arduous Twice I’ve called and they found all my payment s only to send another late letter this month. Very frustrating!!
All foreign staff
No Australian staff that speak and understand english, incredibly frustrating company to deal with, would not recommend this company as they clearly just want to rip their customers off and not supply any real customer service and to scam interest out of you even when you have paid back well before the interest free period
Such a scam
This is my first and last time I am using it, so many hidden fees and charges, it is like never ending story. Please people don't get involved with this.
It took 17 days for my application to even get a credit check, by then my preorder was already released.
Won't bother, their customer service took 3 days to even reply to me and all they did was direct me somewhere else, I would honestly just avoid this company as their priority certainly isn't their customers.
Questions & Answers
I want to extend the term of my loan. I spoke to person in the sales team and was told I have to take out a new loan to this.
Can I use my Gen Visa card to pay for a service? For example, can I use it to pay a builder who does some building work for me?
Hi, Can I use Gem Visa to pay for a service? for example, can I use it to pay a builder who does some building work for me?
Get an answer from our members and Latitude Financial representatives
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