humm90 Mastercard

Worst financial institution I have ever dealt with... Was good right up to the point of trying to close the account... account fully paid.... multiple requests via automated system, then via customer service, and they still have not done as requested. Oh, well off to ACFA we go. Show details

Good at first if you don’t have enough money but it is a financial death trap. They say “no interest for 60 months”, 12 months later they increase the monthly repayments, 12 months after that they start charging interest, it is a complete sham! But the shammy part of it is if you miss a repayment, they charge you a lot for missing that repayment. So glad to be done with it, really cost me a lot in the long run!! Show details

Recently hacked into my Humm90 cc and after so many calls and emails - they refused to refund the $1500 (which was from Dubai!!) that was taken from my account! even though I had proof that I did not authorise the fraudulent transaction - I will never recommend nor use them again!! Show details

I love the wrap feature that is offered on larger purchases as it helps to manage the payments over a time that I choose. I would recommend this product to anyone. Show details ·  1

Have been using Skye and then Humm90 for several years with no problems. Its a great card for budgeting and keeping on top of bills . Having 90 days to pay and extended interest free plans it ticks all the boxes for a credit card. Highly recommended. Show details ·  1

This is the best credit card I've had. Perfect for domestic and international travellers. An extra bonus is the 3 months interest free option and for a small fee the ability to pay your bill off over longer periods. I highly recommend this card. Show details ·  1

Avoid at all costs. I applied for a humm90 credit card because IKEA was offering a 50-month interest-free period on purchases. Shortly after applying, I received a call from customer support (based in the Philippines) asking if I wanted to add my partner to the application. I questioned why this was necessary, as I had already included my… Read more

partner’s income in the application.

The agent responded rudely and insisted that I must add my partner. I told her I would discuss it with my partner and get back to them. This left me with a negative impression of humm90.

Today, I called to clarify whether adding my partner would affect their credit score and whether it would become a joint application. But, they avoided answering my questions and ask me to clarify if I wanted to go on my own or add my partner. I declined adding the partner and chose to proceed using only my information. I then received another call from a senior staff member asking whether I was renting at the moment, to which I replied yes. Immediately after that call, my application was declined — despite having an excellent credit score.

I understand that having a mortgage can reduce the likelihood of approval. However, Latitude Finance had no issue approving me for a credit card with a substantial credit limit by considering total household income information (both my partner’s and mine). I provided the same income details to humm90, but they refused to accept them unless my partner was added to the application. I have humm Classic as well. Maybe it's good that application was not accepted.

If I could give them a negative score, I would. Our heating and cooling company suggested us to apply with these id*ots. First while applying credit, it asks to verify by entering bank username and password which in itself is like a scam. Anyway we sent documents. I had my husband’s details in application too. Minutes later got a refusal email and… Read more

then a call from the heating and cooling company saying they got advised too about the credit refusal. Got a call from Humm saying to ignore the email as no decision has been made and asked to send documents. Sent documents for me and was told they can approve partial amount but if my husband is added then they can approve more most likely. All this while we thought my husband was added as his details were also provided in the application. Anyway we then on the call tried to add him and call dropped out after spending a long time but no one called back so we called again to start process again to add him. He got added and was told to send his documents. Sent documents and now it’s refused. We both have excellent credit score we no credit cards and just a mortgage to our names with very good salary too. Nearly 200k for both us combined. Just last month we got our solar finance approved by a different company without any hassle.

This company is a joke and no wonder have this much negative reviews. There is a huge gap between their application system, system generally and the people who review.

Maybe we dodged a bullet as it seems it would be painful dealing with them later.

If used properly, then one can enjoy the interest free period; It's wrap & instalment policy is great, Flexible to use anywhere including overseas. But only negative about it is that one cannot get a balance transfer done with this card. Show details ·  1

Do not attempt to close your account! I have been trying to close this account since it was paid out in full in December 2024 and they were asked to close the account It’s now the end of October 2025 and they will still NOT close the account!!! Show reply

After almost 12 months since receiving my official letter from Humm90 stating that my account was now closed and that I can no longer access the app, my account still remains OPEN!! Letter arrived early November 2024, their last update on my credit file was APRIL 2024 which clearly shows a very outdated credit limit as it was decreased several… Read more

thousand dollars between then and November. At least 10 emails back and forth (maybe more) requesting they update my credit file to show accurate information has proved fruitless and here we are, almost a year on, still with an ‘Open’ account and very incorrect information showing on my credit file. Why do Humm90 not update credit file information?? Ensure you check your credit report details as there’s a decent chance they are incorrect and/or not current. For a financial company they do ZERO when it comes to customer service or trying to remedy incorrect information showing- even though I have the account closure letter in my hand and have sent them several copies for reference in my emails to their customer service. It seems it would be easier to spin the earth in the other direction than it would to be able to have Humm90 fix errors that they, themselves, have caused. Reading through other reviews it appears that this is a bit of a common theme!! AVOID!!!

It's a great card however not happy that they are changing it to a monthly fee of $10 which makes it $120 for the annual fee rather than $49. Also, when I first took out the card you use to get 6 months interest free now its only 3 Show details ·  1

Humm has been a god send for my family and I. We have been in some tricky situations when life has kicked us in the guts and having our humm card available to get us out of that has been life changing. We also got to win the spring promo which is an extra positive experience I have never had with any other provider. Show details ·  1

Having used humm90 for some time now it’s our convenient go to for booking with flight centre due to the simplicity of the transaction. Was happier with annual fee but adjusting to the monthly shouldn’t be that hard. Show details ·  1

Have been using my HUMM90 card for several years now and overall the experience has been very good...they often have deals for cashback and always credit your account in a timely manner...Zero percent interest and also great for foreign currency purchases. Just like any credit card..use it wisely. Show details ·  1

I have held a Humm90 credit card for a few years .I recently paid off my balance in full whilst accidentally maintaining my direct debit . Resulted in me been $557 in credit - i requested closure of this credit card and a refund of my credit balance . Safe to say humm90 customer service have continuously stalled on processing and to date have not… Read more

refunded my credit balance , some 4 weeks after paying off my card . The issue is unresolved and i have since lodged a complaint with the Australian financial consumer authority to resolve this issue . Totally unhappy with Humm90 as they know how to call you when u owe them but refuse to pay you when they owe you . I suspect it’s tactics they use in the hope you will walk away and give up . Please think twice before opening store cards with latitude like Humm90

I normally don't write reviews, but decided to do for this one. This was the worst application I had. IKEA encouraged me to apply for this loan and ultimately damaged my credit history. The application process looks unreal and fake. Just an hour after submitting, I received the decline email with a list of all possible reasons. I called them, and… Read more

the operator just kept reading that list for every single one of my questions. I think they even processed the application in detail, they just did not want to accept. I had an interest-free Latitude Card from their competitor, and that was way better than this one from the customer service point. My advice is not to destroy your credit record by applying to Humm90.

I strongly do not recommend this company Even after paying all the instalment this company put us under more debt. Their customer care team will not solve our problem Because they out of Australia They don't have any management team Who can Solve our issue Show details

I am happy with Humm other than the inordonate time it takes for a payment to be cleared and noted on the credit available. No one at Humm when asked about this could give me a reason for the delay. Show details ·  1

Beware. One of the worst interest free companies. I only used them because nickscali uses this and I wanted interest free. Regret everything. Now trying to get help is with their hands-off system is impossible. Do you like getting stuck between Filipino call centre and retailers. Don't do it. Show details