Once Credit Card

Worst credit company Never go with them worst service 0% – Coustomer service 0% even if we closed account to get closure letter need to ring 20 times and still no luck all they say is back office back office . God know what they have in back office . Once credit is full of..? Never ever go with them pay bit more to genuine credit and go with them.  Show details

Heavy handed customer service – I have taken this company to the Australian Financial Complaints Authority - and won. They continue to hassle and chase me for money I don't owe them. Their customer service is appalling, I keep emailing them the same evidence over and over, and their credit rate is daylight robbery. Avoid at all costs! Show details

Devious – Signed up for a Kangan water filter system. Interest free period of 3 years. Worked out the repayments to be enough to pay it of in the 3 years. Little did I know that they only charged the minimum repayments, so the more I payed the less the repayments. After checking my latest statement after 3 years paying I still owe $1800 on a 4k loan. My… Read more

latest repayment was $58 and the interest charge was $59. What the!???? At that rate they say it will take a further 11 years to pay off! Finally got through to someone and asked the to up the repayments to $200 a month, but get my latest statement and they've only taken $58 out with a $59 interest charge. Scumbag company!

It's very convenient – The use of the card was very easy with the free interest term and also the customer service was great , called about replacing the card and it get sent 4 days later very good Show details ·  1

Limit Increase.Highly satisfied – I am very satisfied with the Company. They are very professional and got all my work done with one phone call. Limit increase was done soon after I sent my requested details. I am relay satisfied with them  Show reply

Worst Financial Institution during COVID19 & constant HIGH INTEREST, $25 late fees, – Due to COVID I have been left without a job. TAKE NOTE: *If you apply for financial assistance, they ACCUMULATE THE INTEREST for the assistance duration and dump it on you at the end of it - Customer always loses out! They don’t care if it’s due to COVID. I requested assistance from Once 3/4/20. I went through the correct channels. Also called… Read more

but as they were working from home, the waiting time was horrendous. Once I got through, the line was So inaudible that communication was a struggle. I can understand and be empathic but 2 months down the track I realise that they have no empathy. They’re still piling on the interest. Still sending messages demanding immediate payment. The interest they added has caused my account to be over the limit, hence, they’re also demanding immediate payment of over the limit amount. Once again, I have contacted them. The line was worse than the first time. I asked for them to please ring me back but I was slapped on the face by “We can’t guarantee a call back”

What kind Of organisation behaves this way when they know someone is trying to resolve a problem?!

I’ve lost my patience and will be contacting AFCA and I suggest you do too as this organisation has zero interest in resolution.

Literally the worst customer service of all time – Literally the worst costumer service of all time. My FIL passed away in Jan after a long illness. We were aware of an outstanding debt with ONCE credit and made numerous attempts to settle it. At no stage have we avoided payment, we simply asked that it be confirmed if there was insurance on the account prior. Our emails have been answered with… Read more

stock replies, never answering our actual enquiry, and our repeated phone calls got us nowhere. We have provided proof of my husband being the executor, even a copy of the will... still nothing. My FIL has been referred to as my husband, my husband has been called his fathers name repeatedly... the worst.

To date, we still haven’t had ANY reply from once, even after they asked us to forward all of our complaint information via email to be actioned by management immediately (this was at the end of Feb) and instead they have just fobbed the account off to a solicitor, who has now contacted us. To say they are useless would be the biggest understatement of all time, and reading all these other reviews adds to the likelihood of me using them in the future, which is now LESS that zero.

Well done on being the most incompetent credit provider in the history of the world. If I could give 0 stars I would.

Frustrations – I have attempted to call them for the last 6 weeks. I have emailed to there link via there website and still awaiting a response. I have been on hold for 50 minutes and then cut off. I want to pay this card off and get away from them. I need the Bank Details and account details. HELP and call me or response to my bloody email Show details

Customer service is horrible – Every time to speak to customer service I had to be on phone call for 45 mins and I was charged wrongly twice . Customer service is extremely poor and there website has very limited options , you can't even make a payment . Show details

Never Ever Again – From the start Once Credit was a pain to deal with, I work long hours and tried to authorise my wife to speak on my behalf as she handles the finances. My account was dishonoring on the direct debits as they didn't put in the correct account details which my wife was trying to fix up. This went on for over 2 months before I finally got my wife… Read more

authorised. We paid it out as quickly as we could because they were a pain from the start. This got paid out on the 26/9/19 as at the time my wife was told that we would receive and end statement and that we would receive a letter of closure. Fast track to now Feb 2020, my wife and I have put a deposit on a house and now are at risk of losing this because we called and requested this just last Thursday to show the bank that this is closed and we were told that same day that we would receive some sort of confirmation of closure via email. Because they once again have misspelled my wife's email by 1 letter we haven't received this and she was told that this "Should have been verified" my wife did verify this but they never spell it out to you. We are now being told we have to wait another 24 business hours or so to have this letter they have already sent once before. If you have time to be stuffed around and misled then sure. Once Credit is for you. Most of us don't and I wouldn't ever recommend this company let alone go with them again. What a waste of space they are! They are terrible in customer service on the phone and on the online chat.

Cancelled – So I contacted once with regards why my account was cancelled I was told that I was on a waiting list to change over to skye, kept ringing regularly 3 times to be exact was told I was still on waiting list and a text will come soon with details the change over then rang again told that I’m not on a list and it’s been cancelled nothing that can be… Read more

done spoke to a supervisor same thing so disappointed in the customer service I have made a official complaint and will be contacting the ombudsman as this isn’t good enough nothing in mail to alert of the change ! By the reviews below I’d say a fair few people have had the same issues

Poor service – Not easy to contact at all, Trying to update my direct debit details over a month now, First time when initial email sent they get back to me after about 3 weeks saying that I need to print the form and sign it as they do not accept digital signatures. and I send this again and waiting for response from them over a week as I need to make sure that they have correct bank details. Show details

Terrible – Went to use card , only to find out it was cancelled. Was told an email was sent surly enough like the other review no email , no explanation given over the phone and no reinstated card , terrible service .

Disappointed – Tried paying fir a hot water service today which was an urgent replacement. Only to be declined when using my card.... I rang to check why and found that the services have been cancelled..... An email was sent.... hmmm no email. Thanks by the way once for the embarrassment of not being able to pay for a service Show details

Worst nightmare of all – With a big misfortune, I had to sign a contract with Once Credit Agile Credit Card as the store worked with them only. Having the actual card was another story. But when I got my card, I requested to access the online banking website. It took months for them to set up an online banking account for me! I had never used this card other than my… Read more

initial purpose of having it. And there should be installment plan with no interest charges over 4 years.

After a year or so, I moved overseas and organized a monthly direct deposit from my Australian bank account. While I wasn't in Australia, they changed their brand and decided to change the contract terms! And they say, they tried to contact me from Australian mobile number. And started to charge interests and some other fees as they like!

After trying to reach out to their overseas number, I spent days on their web site! Finally spoke to their very rude customer service (?). Eventually, I got a close-out number and made the payment on the same day as I wanted to get rid of this useless card & account.

Just today, they sent another statement to ask more money in spite of they got all the mentioned payment already!

I don't recommend at all, just run away when you see their name in anywhere!

Very poor customer service and dishonest staff member – Requested for details update several time, but fail to do it and yet charge you for late payment which was due to their staff negligence. Very unreasonable staff. Poor English communication. Show details

Once is never enough – Our contract with Once Credit specified a termination date - that is, once the balance was paid, the account would be closed automatically. This didn't happen, even though it was stated in writing on the contract. Fees continued to be charged until notice was given in writing to close the account. Apparently Once Credit can't even acknowledge… Read more

their own contracts.

Now, after the account being actually closed for well over a year, they are again sending warnings that monies are owed on the account. They have no concept of customer service, contract obligations (including those that apply to the company) and no regard for Australian trading laws.

Whether you're an individual or a business, I strongly advise against having any association with Once Credit.

Hard to deal with – I have to make many phone calls just to get my interest fees sorted out and up till present it is still not sorted out. I know that they have different departments and different operators to address different issues. However I have to repeat the whole story each time when I call once credit and nothing gets sorted out. As a customer I feel that… Read more

the employees of once credit are not fully equipped with the knowledge and that the company itself is not giving the employees proper training and most importantly I think that the departments in the company are not even having a proper communication with one another.

So surprised other customers also have had fraudulent charges applied - seems a coincidence (Not) – Final payment of 12 months interest free then discovered fraudulent charges applied to the following month and checking this review found this seems to be common business practice (Thought there were laws against this), unfriendly claim back process with no time frames. Had to battle to cancel card, cancel account and cancel the un-capped direct… Read more

debit I was not even aware of being in place but assured by the customer service this was standard practice - BE VERY AWARE OF ANY DEALINGS WITH THIS COMPANY!

Worst company I’ve dealt with – I have had to call this company multiple times to confirm fees and charges that were incorrect among other things. I have called to confirm my interest rate on multiple occasions as well as I was told 4 different things by 4 different people. I shouldn’t have to call up a company so many times to sort information that should have been clear from… Read more

the beginning. Am going to do my best to get out of their company as soon as possible because it’s ridiculous and doesn’t help anyone at all.

Rip off – I’ve finished my loan contract months ago!! All paid out and find 40 dollars taken out of my account 1 day ago make sure if your not using it to cancel your account.

They are a big joke this company – These guys have charged me a late payment fee every month since I had back surgery i have emailed them told them the reason I have been 3 day's late on the monthly payments but they don't care the late payment fee of ,$35.00 and don't forget if you pay it on person you get stung $2.50 for that as well and it would be really good if you could get… Read more

someone that spoke polighthly and that listened to you and didn't cut you off when your trying to talk to them. If there was a minus rating this company would truly deserve it

Worst credit card ever – We used the ONCE card for an emergency and paid off whole amount within 33 days. Surprise surprise even after paying all the amount back they still charged nearly $150 interest and the customer care people don’t know to explain how they calculated the amount even the balance is zero. After two long phone calls still we have to pay the amount. PLEASE BE AWARE WHEN YOU USING YOURS.

Once Credit – Too many stuff ups. I purchased a trampoline and only needed $1200 of the $1500 minimum. They sent my card and then rang to ask me to activate it. I said I did not want to activate it as I had no intention of using the remaining credit and the lady basically harassed me and gave me all the reasons why I should activate it. Then I made the monthly… Read more

pay back at $50 but the statements came as having paid the minimum of $30, I rang several times and they adjusted it yet the statements keep coming at $30 - I can't help but feel they want you to go into debt and owe them. I defaulted on my last payment and have had about 30 miss calls! over 4 days (missed because I was working) Surely they can send an email. I plan to pay this off in full shortly and will never use them again, and I wouldn't want any of my friends or family to ever either. I really think it is more than just bad customer service, I do not trust this company at all.

Biggest Mistake Ever - Do Not Use This Company!!! – TERRIBLE customer service, Sloppy online account access, THREATENING demands for payment before a statement is provided,1 statement in 3 months and the list goes on. I have been a customer for 3 months now and have never had this many problems before... They do not have an app to follow your account with and their online portal is sloppy and… Read more

incomplete. I have only ever received one statement in a 3 month period and before receiving my first ever statement I had a rude call centre agent contact me at work (mymobile was in front of me and NOT contacted first) demanding payment and that my account is overdue... what the??? I don't even have an account statement! I requested that she NEVER contact me at work again as it is totally humiliating and her response was "well if you pay your bill i won't have to".

My partner and I again last night received a TXT message with demand for payment.. Again, I have not received my monthly statement. Anyway I made the payment this morning and contacted the accounts team questioning my statement only for someone to not understand my concern and tell me to look at my last statement!! Are you kidding me? He then proceeded to tell me that My statement was due yesterday (which I already told him 3 times) but it can take a couple of weeks to get to me, even though I receive them electronically!!! An emailed statement doesn't takes weeks, that was just an answer to try and shut me up because these people just do not know what they are talking about.

I never leave negative reviews however unless you are wanting to feel like you are smashing your head against a brick wall on a monthly basis I strongly encourage you not to use this company. Maybe once they invest some more time into building the foundations of the business properly and have customer support located in AUS or with agents who simply understand there might be hope for this company but for now, it just is not worth the headache!

Unhappy customer – My card was lost in the mail, with active pay wave, someone intercepted it and used it for spending. I made calls to Once Credit and lodged a dispute form when I received a statement with debt showing on my account. Despite numerous calls to Once credit, I have been harassed over the debt. They keep saying sorry promising to change things but to date nothing has changed. This is one company I will never deal with again.

Once you sign up get ready – I can’t believe so many people have written a review without swearing. God did I make a mistake getting this 55 month free interest with my new kitchen. Get ready for this complaint, all I want is once credit sending me my monthly bill by post before the due date and mind you I’m paying for the paper bill to be posted. I ring them by phone asking… Read more

to please send my bill and they say we did. Well there is no mail and the person on the phone says have you checked your post box. After that reply I asked if I could speak to someone in a higher position, they couldn’t find anyone, this office is somewhere in the Phillipines, then I asked if I could speak to someone in Australia where I’m from, yes you guessed there was no hope. Staff need to be trained how to communicate, all I here is sorry sorry that’s all. How hard is it to send a bill notice prior to due date and not charge me a penalty because I didn’t pay by due date. This organisation needs a big change before more people see what’s behind the Curtin. Think twice before you choose.

Absolutely terrible – Absolutely terrible service. Signed up for a Thermomix deal for the 2 year interest free period same experience as everyone else on this page. Poor communication, additional fees charged, wanted to have the total paid in the interst free period but their monthly debits were selected as minimum. Between the Thermomix reps and Once credit -you… Read more

need to take a good look at your service and communication to clients. rather than focusing on the sale and interest $$$

Account is inactive and charge a yearly fee – Account was closed 7 months prior though they apparently didn't get the call charges $99 for a yearly fee. The customer assistance is rude and not at all helpful and blocks us from escalating the complaint any further.

Dodgy charge – Had 1 payment to go on Thermomix. Called and asked how much and after that had been paid asked them to cancel card. They then charged $2.50 which we didn't know about, card was not cancelled because of this and then they charged $90 annual fee as card was still active with $2.50 owing!

Useless customer service! – Rang to close the account which was $0 balance. They said I had to pay another $10.75 which I immediately paid through BPay and asked for the account to be paid. Told I would get an email within 7-10 days to confirm closed account. No email received. Meanwhile $80 gets debited. Called again, told them to close the account and refund the $80. They… Read more

say this will happen with 5 days but apparently I still owe $10.75! Call again as money does not get refunded and account is still not closed! Will be calling again tomorrow for my $80 refund and for account to be closed immediately with email confirmation. Will contact consumer affairs!

Never Again!!! stay clear of them – Bought our first thermomix on this finance and payed with item off without any issues, closed the account and all was good 2nd time around we purchased the new version thermomix, paid it off before the interest period started, closed the account then a year later a statement was sent for a $99 annual fee! They never closed the account!!! They… Read more

want the annual fee, by god they will not get it from their stuff up!!

Watch this space!!!

They will not take responsibility for their stuff up Be warned!!!

Called Once Credit because that's exactly how often you'll want to use them! – Engaged them for $2k of credit to purchase goods on a 2 year interest free period deal. Opted at the time to pay the minimum amount by direct debit as I was unsure exactly how much the repayments would be. Rung them up a few months later to increase the repayments. Apparently this call never happened and they have no record of it, over the last… Read more

26 months they have managed to direct debit only $800 and now the interest accruing far outweighs their 'minimum repayment' that they had kept me on. What a joke!