|Category||Balance Transfer Credit Cards||Balance Transfer Credit Cards|
|Benefits||Introductory Interest Rate|
|Minimum Credit Limit||$1,000||$1,000|
|Maximum Credit Limit||$30,000||$30,000|
|Contactless Payments||Apple Pay||Apple Pay|
|Rates & Fees|
|Purchase Rate||25.99% p.a.||25.99% p.a.|
|Cash Advance Fee||3%||3%|
|Late Payment Fee||$35||$35|
|Annual Fee||$99 p.a.||$99 p.a.|
|Overseas ATM Withdrawal Fee||$3||$3|
|Interest Free Period||55 days||55 days|
|Cash Advance Rate||25.99% p.a.||25.99% p.a.|
|Introductory Rate||0% p.a. for 6 months on any 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||Jun 2019||Jun 2019|
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 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
- Agile Card
- Verified customer
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.
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 .
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
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 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 b...ank 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.
Bad customer service.
I opened this card when purchasing an interest free item. I never received a card, and i may have had 3 or 4 late payments during the whole 2 year interest free period. If i was one day late, i would get a phone call from their accounts department and they were always rude to me. I paid my account of before time. I called them up and asked for a card, and they said no. I still get statements every 3 months telling me i have a huge credit limit that i can use at any time. I will never use this card again due to the way I was treated.
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
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.
Once is once too many
I only got this credit card as it was the finance option when I had to replace my hot water system. Interest rate was high in comparison to some others and of all the finance companies I've dealt with Once were the least accommodating and empathetic, particularly In regard to financial hardship.
Their online login was a pain as besides the password you had to enter a sequence of letters/numbers each attempt which often wasn't successful. Can't change password either had to contact them and for a time was unable to access the online portal at ...
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 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 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 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!
. 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
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 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.
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 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.
Just don’t do it
Please read all of the reviews below before signing up to this company! It’s all so true! They confuse you with putting a much lower minimum monthly amount to pay so that you are left with a large balance at the end of the interest free period. Very sneaky. Never send you statements. My husband has just closed our account so I will be triple checking that this has been done!!! Then, the rude call centre operator “Jodie” (which is ironic as he was apparently male) said to my husband at the end of the conversation, so after all of questions asked..., & account was closed “I just have to say that I thought you were a female”. Whaaaaaaatttt?!?!? He asked to be put through to ‘his’ supervisor but funnily enough, he was taking several other complaints.
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 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 in...to 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 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 NO...T 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!
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Questions & Answers
I do have simlar concerns of a few unhappy customers in here, 1) if i make 2 purchaces of 250 + a couple of months between each purchase, do i get seperate 6 months interest free for both, or will it meter start ticking from the first purchase?
2) what is the point of approved providere, is it not the same 6 months from any dealer? I tried to making a booking from byojet (agreed 9 months interest free, they said they no longer deal with once, though it still on Once's website as a approved dealer, even today)
3) can I pay bills over 250 and get 6 months interest free?
Yes you get 6 months interest free on each purchase you make and whenever you make your monthly payment it is allocated to the earliest purchase first. Not too sure what you mean in your second question? Like if another company is offering interest free (Byojet 9 months?) then they will have a provider who they are offering that through and you will need to sign up with them and not use your Once card. Yes you can pay a bill as long as it is over $250 it will show up on your next statement with 6 months interest free. Be careful when making extra purchases as your monthly repayment will increase but you will not be notified by Once about this and as direct debit is the only real option for making payment (they charge for any other form of payment) Once will just keep debiting you on the old amount and then they will charge you a $35 fee for not meeting your new monthly requirement. There are a lot better companies out there I would avoid Once at all costs!!!
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