I never missed a payment! Yet they continuously decrease my credit which decreases my credit score it's funny how you do what's responsible by paying every time before the due date, more then the minimum and still lose credit! Makes no sense at all! There are no pros only cons with this horrible company!
I have never actually paid any interest on my credit card, but if I did the interest is 11% per annum, better than the 21% that Westpac want. The only downside to this product, is that is not connected to frequent flyer points!
good basic credit card, no reward program though. low interest rate, was a little hard applying on-line for though.
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