Lombard Credit Card has been discontinued and replaced by humm90 Mastercard.
|Category||Low Rate Credit Cards and Balance Transfer Credit Cards||Low Rate Credit Cards and Balance Transfer Credit Cards|
|Benefits||Introductory Interest Rate|
|Minimum Credit Limit||$1,000||$1,000|
|Additional Cardholder Fee||$0 p.a.||$0 p.a.|
|Contactless Payments||Apple Pay||Apple Pay|
|Rates & Fees|
|Purchase Rate||25.90% p.a.||25.90% p.a.|
|Cash Advance Fee||3%||3%|
|Late Payment Fee||$35||$35|
|Annual Fee||$99 p.a.||$99 p.a.|
|Foreign Transaction Fee||3%||3%|
|Overseas ATM Withdrawal Fee||$0||$0|
|Interest Free Period||55 days||55 days|
|Cash Advance Rate||25.99% p.a.||25.90% p.a.|
|Introductory Rate||0% interest for 6 months on any Lombard 180 card purchase of $250 or more|
|Balance Transfer Rates|
|Balance Transfer Period||6 months||6 months|
|Balance Transfer Rate||0% p.a.||0% p.a.|
|Balance Transfer Fee||0%||0%|
|Discontinuation date||Sept 2019||Sept 2019|
|Replaced by||humm90 Mastercard||humm90 Mastercard|
Reviewer Photos & Videos
Do not recommend, big mistake
Not an understanding company if you lose your job for example the Covid situation, they demand your money straight away without settling for an agreement plan , send it straight to the dept collection only to have to pay almost upfront! , very rude staff members that don’t care about you or your circumstances , do not go with this company!!
Account balance discrepancy
Why is it when I ring Lombard for my balance I get told a different amount ? there is an additional $4,000 in the amount which is not shown on the statement?? Why do they send statements that do not show the real account balance? Or is this an error by $4,000 ?? I cannot understand where or why there is such a large discrepancy ?
Not a happy customer
Horrific interest company was shocking during covid would never use company again
They encouraged me to use my credit card on lage perches via email then cancelled card out of the blue so I couldn’t use it to keep interest rate down
Nightmare of a company robbers!!!!
Ive over paid my account by almost $3k and never got one Statement and now they are refusing to refund my money!!!!.. robbery!!!!....consumer affairs will be invoiced with this soon
Still charging me when I paid the full amount !!
My Lombard Card statement had a total payout figure which I paid early ! Now get a Statement stating I still owe $3.00 I know its only three dollars but its the straw that broke the camel's back! Years of poor service I was once a good customer of flexigroup but no more!! Avoid like the plague!!
6 months of incorrect late fees and incorrect reporting on my credit file
I strongly recommend that if you hold a Lombard or Skye account that you go through with a fine tooth comb the statement of transactions on your account. Also check what they are reporting on your credit file (I used credit savvy). I was incorrectly charged $50 in late fees per month for 6 months when my payments were on time every time. This was then reported on my credit file that I had missed payments 6 months in a row. After noticing this then going through I've also noticed they've reported to my credit file that I missed a further 2 month...s of payments last year when they had not attempted a follow up direct debit when my first bounced (yes my bad on the first one). This aside, this company is purposely set up to charge you THROUGH THE ROOF should you miss one payment by one day. Their direct debit takes it out on the last possible day before late fees hit. Should you for some reason not have those funds available, you are then charged $50 in fees (let alone what you bank charges you) even though they then take the payment again a few days later. Further to this, their customer service is insanely poor. I was told false information by staff in regards to why I had been charged late fees, being told I had $200 owing and didnt pay it, when I cross referenced all my statements and payments it was $100 that was paid on time, so false information was just being plucked out of thin air. After confronting this customer service agent on the incorrect information she said "I can't help you any further with this, if you need help you will have to speak to a supervisor". Lucky I pushed on because the supervisor was able to see I'd been incorrectly charged for 6 months. I am still waiting on the refund of these charges being reflected, and still waiting on my credit report to be fixed - a week later. I would NEVER recommend Skye finance to ANYONE because it is just the same company with a different label.
Steer clear of Lombard Financial or Skye at all costs. Run, dont look back, just run
Stay clear and avoid Lombard at all costs. Happily paying off the card. missed a payment date due to being in hospital. Then the dozens of calls and texts started coming to me and my partner. Due to my hospital stay, I fell behind about one payment. Lombard didnt care when I called and asked for time to catch up. Now Im subsequently running one payment behind which means that Lombard now ring me and my partner once a day each at least and then text up to 6 times a week. Despite advising them that they are breaching Australian Consumer Credit La...w they said they dont care and are continuing the harassment. Also asked them to make contact by email as my work prohibits employees using their personal phones at work. But the calls still come. Under Australian Consumer law it states that if a client requests a particular form of contact they need to honor that. To this very day they do not respond to our emails. My wife has now developed extreme anxiety due to Lombard and suffers panic attacks when they persistently call. Informing Lombard of this fell on deaf ears. We have today made a complaint to the ACCC about Lombard and are looking at bringing legal action for their repeated breaches of contact. If they showed a little sympathy and let us catch us over a few repayments all this could have been avoided. In my 45 years of adulthood I have never come across a company that have bullied and harassed individuals so much.
Warning...don’t do it
Like many others we were surprised to get an email stating that Lombard were changing to another company...Skye.
OMG...this is the hardest company we have ever had to deal with.
Take your business elsewhere..we are.
You have been warned.
Slow service, account balance takes 5 days to be accurate. Difficult access to account balance through online access. Card has closed down to skye, and was emailed a chance to move to skye, but missed the email, so credit card cant be used.
dont get caught up in the hyperbole
I got caught in the hyperbole of fee free etc.. its costs to pay back every time you pay there is a new charge.
the last thing you buy is the first thing to pay off.. if you had 180 days to pay off $2000 and then continue to spend and pay back part payments you will eventually be paying 25%+ (every payment incurs fees) be warned!
Poor customer service
I had changed from the Lombards card to the new Skye card as requested, from day one l have asked about an atm pin, so if needed l can withdraw funds or make a purchase over $99. Many times l have asked and both via email and tried to ring ( 4 phone calls l had spent a total of 2 hours 58 minutes on hold only to speak to no one and hanging up) almost 3 months later and l still don’t have an atm pin. Not happy Jan !!
Fantastic Interest-Free Deals
I wasn't able to afford the airfares at the time, but because of Lombard I was able to get a 12-month interest free deal and never pay interest. Highly recommend Lombard 55.
Bad Business Acumen and Terrible Customer Service
Was a loyal customer with lombard for closed to 10 years, never missed a payment and significantly contributed to their bottom line. On closure of the account There was NO loyalty to my contributions despite several fair and reasonable requests. When a customer needs help this company's true colours shine. I would highly recommend steering clear of Lombard Finance.
Not happy at all Jan
As part of the PDS I was given for my contract it states I must be given notice that my account would be unavailable and I did not receive this so I call to find out what was going on when I couldn’t access my funds and I was told over the phone. I then requested the letter that I never received and I still haven’t been given anything! I would have gotten my finances in order and sorted my card out a bit with notice but I had none and still am being ignored when asking for correspondence! And I am still going to be charged full interest after n...ot receiving any warning. Not happy at all and it goes against the PDS I was given so I would like to know where I stand. Or is it still just, too bad too sad, like I was pretty much told over the phone?
Closed my account without notification
My Lombard credit card has been closed with out sending any prior notification or warnings. I cannot access my account to down load my transaction details for tax purposes. I don't even know how much I owe and how much interest i am paying now. They simply closed this card account and started new credit card and I am not qualified to get the new card!!. Certainly, i am taking this to Financial Ombudsman. We need to start Class action against this.
No warning they shutting down nor offer for alternative
Out of the blue I received an email to say the brand was shutting down and no longer able to use the card but keep paying it off - I have emailed several times hoping to request a mutual early payout than keep paying off a card that I can’t even use and no offer of an alternative card which other reviews seem to be stating also
Why should I keep paying for something i can no longer use as another review states below ? And I don’t want to apply for another card that from another review you can’t anyway as the account is closed
Which, if our ac...
Lombards 180 Credit Card Discontinued without warning
As has been recently posted by others I'm also another loyal customer who has been done wrong by this Company, Lombard's. My card without warning was deactivated on the 1st of July 2019 as Lombard's saw it fit to move away from Visa and jump to Mastercard under a new name of Skye with less interest free period and a establishment fee for longer term interest free periods based on % of purchase price. I'm shocked Lombard's would treat its customers this way. I did not receive any notifications via email, mail or phone. When I rang the hotline I ...was advised a email was sent out. When I asked to have that email sent again I was told it was too late and they didn't have it. I asked the phone rep to send a letter to confirm what they were saying to me. I was again told this was not possible. How does a company operate like this? I feel this is a breach of consumer law and they may have to answer to the financial ombudsman.
Not happy Jan
Just found out on the weekend that Lombards was closing down I could not use my card, I wasn't notified of this at all. I called them this morning and they could not offer any resolution other than "1 email has been sent out and they could do nothing to help as i missed the cut off date to sign up with the other company" Seriously Lombard :-(
Poor Customer Service
Have tried to call for the last three weeks was on hold for at least 30min so sent emails to inquire about their change of brand, no return calls or emails. Would not recommend this company or there new brand Skye if there customer service is this bad. Unfortunately cannot give them zero stars!!
Just disappointing and frustrating
This morning i received a text stating i had repayments overdue and that i needed to make a payment immediately. I am particular with my finances, never overdue and I believed this to be incorrect based on my most recent statements and my bank records of payment. I called the customer service billing line and was told it was a mistake and not to worry about it. An hour later i received an email from a company i had used the lombard credit card with to say that my credit card had been declined 3 times. What is going on? I can no longer log in e...ither. This is ridiculous. Have spent over 2 hours waiting on the phone with them today. Based on all the comments here lombard is running a grave risk of losing their customer base. Rather than suggesting customers "try emailing or ringing again", how about lombard actually call them back!
Questions & AnswersSee all Lombard Credit Card questions
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