Coles credit cards

I had two issues with Coles CC and decided to never using it again nor recommend it to anyone I know. First issue, I made a payment to a Vodafone Australia, 4 days later, they haven't received the payment yet. I checked my account and the 1$ placeholder transaction is still there, and full amount have not been deducted yet. Called up customer service, waiting 45mins of course, and I can tell that the call centre is somewhere in India, the guy can barely speak English. The guy firstly insisting me that 1$ is what I pay, while I have to explain to him that it is not, and it is placeholder transaction. Then proceed to tell me to wait 14 days to know if the payment actually come through or not. After 15 mins argue with him, I got no result, can't cancel my transaction, don't know of my transaction goes through or not. Second issue, I got a new phone number, decided to call them up to update. First response from automatic answer machine is to give it a authentication code from my old phone to proceed any further. There is option to skip this, like press 0 to talk to a customer rep. After a few attempt I figured out that keep leaving the machine repeat itself open up whole new options to select. Finally got to speak to a real person, again, from India, and can't speak English. He said I can't update my phone because it will require an authentication code sent to my old number. And tell me I have to go to a post office and mail him a paper form. I emphasised, a paper form, can't email, can't do over the phone, have to be in paper form. I then explained to him that my area is in COVID lockdown and I can't leave my home, nor feel comfortable doing so. He suggested I wait until the lockdown finish then do so. Bottom line, I have had bad customer service before, but this is by far the worst. Do not give them your money. There are plenty of other corporate want your business, they may not value you but they will at least pretend. Not at Coles

I had one of these 1-yr interest-free purchase credit cards. Once the period of 1-yr is finished, I was not notified by SMS/EMAIL. I was charged with a 19.99% interest rate for three months until I noticed in the app transactions. Surprisingly, the Coles Master card APP doesn't send the push notification for the interest-charged transaction. When I asked customer care why I was charged an interest rate, they gave me a false answer. Now, I have been following up for two months with customer care to withdrawn my interest. It seems they are very reluctant to remove the interest. Once the promotion period is finished, Coles Master card doesn't send SMS/EMAIL notification, doesn't call the end-user, or even gives you a false explanation of transactions. And they are expecting you to pay the interest for all the months that you even didn't notice, only just because you agreed on the contract at the starting of the account!! This is a trap for the end-user, and I got the worst customer support ever!! In the same period, I have the credit card from NAB and WestPack. NAB customer care called me and notified me of my first interest charged transaction. They explained the promotional period is finished and asked me whether they can help in any way. Later I paid the balance amount, and they have withdrawn the recent interest charge with an annual fee. I have been with Westpac, and they SMS me that the promotional free period will expire. They eventually call me whether they can help me since it is interest-charged. Be mindful and careful before you are going to apply. Think about the company and customer relations/support with whom you are doing business; this is Citi group, later I came to know, this is not Colesgroup!!

There occurred a fraudulent transaction on my Coles platinum MasterCard of $180.00 on 7th Nov.2020. It's almost 6 months and the Coles Master card Management has not settled the dispute yet through the merchant. I would never recommend anyone to purchase or use Coles Mastercard. I went through many reviews now which showed there were illegal transaction on the card done to various individuals which also shows that there is no safety using the card whatsoever.

Fraudulent transactions after card destroyed,cancelled and not in use. Poor customer Service from overseas country and stressing the customers. They try the customers to pay extra money to them.When a card is cancelled and new card applied the payments are still done with the cancelled credit card.Absolute fraudulent activity . Need to escalate to a higher authority if this activity is not stopped.

Absolute scam. I noticed that I always pay extra. Just paid a due amount in full and the very next day I noticed my balance is negative $200 and I couldn't figure out where it is coming from. From that point I have recorded my transactions and again with the new payment I am 137 dollars short that I don't know where it is coming from . I suspect that there is fraudulent transactions going on here . No transparency in transactions and information whatsoever. Avoid at all costs !