We have banked with the Hume Bank for more than 30 years, have paid off 2 houses and a couple of credit cards with them! Very happy and I do regularly have a look at the competition.
Hume Building Society, an absolutely amazing place to deal with. Can actually call and speak with a person! Fantastic customer service, no charge for a having a credit card with them either, I wish I had found them years ago, traditional banks need a real good shake up! I haven't found any cons, just read all the stuff that comes with your cards! Obviously penalties as with all banks apply if you don't pay on time. I have two credit cards with them, Visa gold and Visa loyalty.
Customer service is always very good. Pretty much have the best interest rates around and have no annual fees. Only gripe would be that I have looked into upgrading to a rewards based card but Hume makes the process more difficult than I expected- I don't want it that much.
In addition to excellent rates and a cash rewards program, should you have a problem or just an enquiry, either at a conventiently located branch or per phone, you will deal directly with personal who treat you as a person and not just an account number.
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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
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Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.