Latitude Gem Visa

Very inept staff. They couldn’t open an uploaded PDF, They couldn’t recognise documents, They couldn’t speak English clearly. I literally cancelled my application out of frustration. I have used latitude products in the past and had a good opinion of the organisation, that is now gone. Show details

Unfortunately, I haven't had a good experience with Latitude Gem Visa. They're trying to find out how to take your money through different ways or even excuses. If you download the app and try to make a payment, they don't let you. Then you call them and they tell you to pay through BPAY, and they are charging or stealing your money. Be careful, guys! Open your eyes. Definitely not recommended at all.

My Favorite Credit Provider! – One of the best credit card providers out there! I absolutely love their services, and the six-month interest-free period is a fantastic perk. Makes managing finances so much easier. Highly recommend!

Latitude Gem Visa is Great – Being able to use Gem at partner stores and everywhere else also with no interest for 6 months for purchases over $250 is pretty darn good. Latitude helped me get what I needed. It's Awesome. Show details

Latitude I thank you – Latitude helped me to get the perfect gift I wanted was amazing to be able to buy my bf a gift he can treasure for a long time. Thank you Show details

Beware of Gem Visa (Latitude Gem Visa) — My Honest Experience I want to share my experience with Gem Visa (Latitude Gem Visa) to help others make an informed decision before using their finance services. When you take finance from them, they don’t clearly tell you that everything must be paid back within six months. They make the process… Read more

confusing on purpose, so you don’t fully understand the repayment terms.

Their interest rates are extremely high. You might think you’re getting a good deal, but in reality, you can end up paying almost three times the amount you borrowed.

For example: If you borrow $2,000, you might end up paying back around $6,000 if you don’t pay the full amount within the six-month period.

After that period, you must pay off everything in full and close your account. Otherwise, they keep adding extra fees and charges that pile up quickly — costs you would never imagine.

They won’t explain this clearly when you first buy something. They make it sound easy and attractive, but it’s a trap.

My advice: Avoid borrowing from this company at all costs. They operate in a way that feels like a scam.

Please think twice and read all the fine print carefully. Don’t get caught like I did.

Trying to access accounts. Everything is down. Contact support, told nothing they can do contact tomorrow and end the conversation on the Web app. Before I could ask about late fees on the payments I have due and was trying to pay! Ridiculous Show details

Scum bags, the gem visa credit card is full of dodgy hidden fees. Don’t be fooled by the interest free jargon as they definitely make up for it when the interest free period expires charging upwards of 27.99%. They are nothing but a pack of low life scum scum sucking leaches. Show details

Latitude Gem, previously GE card, used to be a great way to buy large purchases over time, interest free, for a small monthly administrative fee, $2-3. This fee only applied when you had an active balance. Unbeknownst to me, a $10.95 monthly fee is now charged even with a ZERO BALANCE!! No thank you. I've closed my account today. Show details

Very bad service, with many hidden and unexpected fees compared to all other cards. My card is constantly being blocked when I make overseas transactions, even though they are to the same vendor, and I have told them to stop blocking this particular vendor. The Customer Service AND Fraud department are a joke; their hours are terrible, long… Read more

holding times, you can never reach them to unblock your card, or the phone system does not recognise your number even though they just called you on it. If they call you back, you get put on hold, and the call disconnects after a few minutes. The website is very flaky and often does not work correctly. Finding the basic info you need can be very confusing. Honestly, stay away. All the extra fees and bad service more than cover the slightly long interest-free period, so there is no benefit.

Avoid this product, avoid this company. Had a GE Creditline Card where there was no fee if no balance, was moved to a Latitude Gem Visa and suddenly hit with $5.95 monthly account fee, even though had finished paying out the full amount. Didn't realise until 2 months had been charged. Oh I am sure it was in the fine print somewhere. Cancelled… Read more

the card, but it is impossible to cancel your whole account. Like I said I will never use this company again and I want to get everything completely removed but it is impossible. Even phoning up to request cancellation doesn't work. I want nothing to do with this deceptive company. Under no circumstances would I recommend them. Avoid.

Woeful handling of a recently deceased customer – So my mother passes away a couple months ago. I use their online form to notify them of this. They respond by asking for her details, and evidence of her passing. I send these documents to them, no problem. They then request a copy of her death certificate. Due to her passing just before Christmas/New Year, we can’t conduct her funeral until the… Read more

first week of January. I receive the death certificate three weeks after her funeral, scan it, and email it to them. I receive a reply from a “Vipin”, greeting me with “Hi *Mum’s name*”! The email then apologises for her passing and other text that is impossible to read due to very poor English. This is extremely unprofessional, offensive and completely insensitive. Formal complaint now with them, don’t hold much hope of any outcome. [“Without Prejudice”] I should just tell them to sod off and pay them nothing from the estate. I also discovered they engaged the services of an UNLICENCED debt collector, sending letters repeatedly to her former address, despite being provided with a PO Box address to use. Hopeless, as if customer service isn’t a priority. This is what happens when you send your entire customer-facing staff and complaint handling overseas. Zero commitment to the customer, more just trying to save a buck by not employing Aussies.

Terrible product with no disclosure about hidden fees – Terrible customer service. Absolutely no way to communicate with the company. The app payment doesn't work most of the time resulting in unnecessary fees to pay through the banking app. No option to resolve this and no response to complaints. Not at all transparent about the billing and fees involved. I was lied to during the process and hit with… Read more

more fees than disclosed. Told that once the Latitude Gem card was paid off, there were no more fees only to then be hit with $10.95 a month over a year after the card had been paid off. Again, no option to contest this as there is no way to contact anyone and no responses to written complaints.

NEGATIVE NEGATIVE NEGATIVE – They charge you $1.95 to make a b pay payment, they don't allow you to pay on a date of your choosing, they don't allow you to schedule payments more than once a month . THE MAKE IT DIFFICULT TO PAY THEM , WHY ??? Why do they have a higher positive than negative rating on product review ? when EVERY review is 1 star NEGATIVE ??????

Worst Latitude Gem Visa in both Disputes & Claims Dept + Complaints & Resolution – Very bad experiences with this company in Customer Services , Relations about its Credit card. For four months (25/8) since the lodging the dispute of unauthorised transactions of $299.39 from Fossil Chatswood, the dispute and complaints still not resolve. Latitude charged back and credited $299.39 to my account on the 3/9 , but Latitude did not… Read more

remove that unauthorised transaction off the 6 months free interest plan.

Many phone calls were made )with a VERY LONG waiting queue) & number of complaint forms + disputes were raised but no reply or promptly deliver to my request. Wasted lot of time and very stressful to deal with it.

Re# Ticket 14717389 On 10 Dec, Latitude ("[Name Removed] (Latitude)" <support@latitudefs.com>) sent me an email quoting my complaint has been resolved with two transactions, which are not related to my complaints (tickets), after my replied email, another email arrived ("[Name Removed] (Latitude)" <support@latitudefs.com>) quoted that complaints has been resolved by 26/11. It seems to me those Reps are not well trained robots same as didn't know what to do. with their daily tasks.

Once again, it was another wrong information provided and nothing was happening since, that 6 months plan is still on my account.

The update of the case (tickets) from Latitude were only apologies for the delay in responding to my complaints & disputes. Now end up, Latitude forces me to pay minimum payment each month and allocated the payment to the above mentioned transaction(which I didn't spend + credited back to my account). There could be interest charges later if I didn't make minimum payment for that unauthorised transaction as Latitude request

Lack of concern for customers and no apologies – To any person who actually cares. I am formally expressing my disappointment and frustration with the recent experience I had with your company (Nepean Motor Group) while attempting to get my car repaired. The process, which took an astounding 12 weeks, was fraught with issues that severely impacted my experience as a customer. Firstly, the… Read more

lack of communication was incredibly frustrating. I had to repeatedly chase updates, which should have been provided proactively, particularly given the extended timeframe. This absence of regular updates made it difficult to make informed decisions on alternative transportation, which significantly affected my daily routines and responsibilities.

Additionally, the poor decision-making throughout the process contributed to the excessive delay. It often felt as though there was a lack of clarity and urgency in addressing the issues with my car, which only prolonged the time it took to resolve the problem. A more proactive and organised approach would have resulted in a much smoother and timely repair process.

Furthermore, I felt that my needs as a customer were neither prioritised nor understood. On several occasions, I was given incorrect information about the status and details of the repairs. In some instances, I was even misled instead of being provided with transparent and honest updates. This approach eroded my trust in your service and left me feeling devalued as a customer.

The general performance and professionalism displayed by your company during this period did not meet the standard of service I had expected. The delays, lack of communication, and incorrect information all reflect a level of service that falls well below what I consider acceptable.

The entire experience has left such a bad impression on me that if anyone were to ask where to buy or service a car, I would strongly advise them to steer clear of your establishment.

Additionally, an apology only holds value when it’s backed by meaningful action. Unfortunately, your actions have spoken far louder than words could, and they’ve left much to be desired.

Latitude poor service – I have lodged 3 complains since Aug 24 and nobody has responded yet. I have tried several times to phone them and also messaged on their app. I just need to make a once off payment. That option is not available on the app. It is extremely frustrating Show details

Appalling – What a joke, no card then late fees. Applied for another card, did not arrive and more late fees. Can't get through after an hour for about the 20th time. Get down to 5,6,7 in the que then they hang up.If & when you get through good luck if they speak english. They can go f**k themselves and i'll see em in court. Don't bother with these scammers. Show details

Fees for nothing – I’ve had this card for a number of years, not been used for over 2 years. All of a sudden a service fee of $10.95 - advised it was due after the due date. Cancelling al by Latitude products now, I’ve lost faith Show details

Misleading Advertising/ Offer – Do not use this company.! I recently order via Amazon ( one of their stores affiliate) in one transaction over 250$AU$ , thinking that this are in 6 months interest free. Their advertising is nonsense! I have been told by this company, it's only 6 months interest free if I buy 1 product of a kind in one transaction. This doesn't make any sense at… Read more

all. Customer could buy a multiple products in one transaction. They would not assist you at all! Beware!

Annoyed at the decietfullness – I've just found out that latitude gem Has Changed its monthly fee. It used to be if you had less than a certain amount or nothing owing on the card you paid no fee but apparently this has been changed to regardless of whether there's money owing or not. I wasn't notified at all about this no text no email nothing. The only reason I found out was… Read more

because I went on there to look at something else and thought hang on I haven't used this card for over a year or maybe 2 years so why have I got a fee there. I have not received a statement either so this would have gone unpaid and I would have been in debt. This is very poor on their behalf as people will be caught out thinking their card has nothing owing but they'll be getting this fee without any knowledge. Communicate with people and let them know about these types of changes. The call the centre terrible you can't get through over a 30 minute wait. They have a call back feature but if you miss the call your back to square 1. I didn't miss the call it comes through as spam and is automatically blocked. Ugh

DO NOT FALL INTO THEIR TRAP – The customer service hung up after he couldn’t answer my question and staying in the queue for 45 minutes. The fees are too high and the app is misleading with the functions. Show details