Jetstar credit card reviews

Jetstar
Jetstar's overall rating for credit cards

(as rated by the Mozo community)

5.4 / 10

based on 67 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Jetstar

Recent Jetstar credit card reviews

Jetstar

Jetstar Platinum Mastercard (Jetstar Dollars) credit card review

Overall rating   6 / 10

Only consider if there is a QFF sign-on bonus!

Some handy perks, if flying with Jetstar, which can save you a few $$$...

Full review

Some handy perks, if flying with Jetstar, which can save you a few $$$...

    Price   5 / 10

    Features   7 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   5 / 10

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Andrew, South Australia, reviewed over 2 years ago

Jetstar

Jetstar Platinum Mastercard (Jetstar Dollars) credit card review

Overall rating   7 / 10

Frequent Flyer

It has a competitive interest rate and gives clients free travel insurance for overseas travel. It has great incentives like QANTAS frequent flyer points attached to spendings and air-travel too.

Full review

It has a competitive interest rate and gives clients free travel insurance for overseas travel. It has great incentives like QANTAS frequent flyer points attached to spendings and air-travel too.

    Price   7 / 10

    Features   9 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   6 / 10

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Robert, Queensland, reviewed over 2 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   0 / 10

Staff are nice on the phone but that's all

I never received any of my Jetstar points as promised from the sign up. I have had a lifetime ban put on my card although card is not in arrears and it was because I missed a couple of payments after the death of my daughter. So I have been trying...

Full review

I never received any of my Jetstar points as promised from the sign up. I have had a lifetime ban put on my card although card is not in arrears and it was because I missed a couple of payments after the death of my daughter. So I have been trying to lift this lifetime ban for 5 years as I am not a bad creditor, however I just get the same response sorry this is a lifetime ban and can never be lifted. They also send me my statements each moth stating about the Jetstar points that can be gained, I have never received any from the start, they also say my available balance that I can access but really I can't because of the lifetime ban. It's become a joke among my friends and family and they always encourage me to call them just so they can here me discuss my ban ad get sent through to different departments just to hear them say I will get a standard feedback letter sent in 14 days that never explains why the lifetime ban was placed but always states sorry this can't be lifted. It's been going on for years.

    Price   3 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   4 / 10

    Trust   0 / 10

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Melissa, Northern Territory, reviewed over 2 years ago

Jetstar

Jetstar Platinum Mastercard (Jetstar Dollars) credit card review

Overall rating   0 / 10

Its a joke.

Absolutely disgusting! I was waiting for my credit card statement from Jetstar and to my disgust I received a late fee of $35 and interest charges. I have never paid my credit card late! How can I pay trendier card without the statement (and it's...

Full review

Absolutely disgusting! I was waiting for my credit card statement from Jetstar and to my disgust I received a late fee of $35 and interest charges. I have never paid my credit card late! How can I pay trendier card without the statement (and it's my first statement). Obviously this is the way they gorge fees out of people illegally. I will be contacting the ACCC.

    Price   1 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Lynn, Victoria, reviewed almost 3 years ago

Jetstar

Jetstar credit card review

Overall rating   0 / 10

Not a company that acts fairly and reasonably

Perfect credit history, big salary & no significant debts and applied for a $4,000 credit card. Seems like they're just looking for people who will default and have big interest payments.

Full review

Perfect credit history, big salary & no significant debts and applied for a $4,000 credit card. Seems like they're just looking for people who will default and have big interest payments.

    Price   4 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Robert, New South Wales, reviewed about 3 years ago

Jetstar

Jetstar credit card review

Overall rating   8 / 10

Yes with all other banks

Friendly, helpful but like all banks profit and share holders come first.

Full review

Friendly, helpful but like all banks profit and share holders come first.

    Price   5 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Lyn, Victoria, reviewed over 3 years ago

Jetstar

Jetstar credit card review

Overall rating   7 / 10

Great reward

I like this credit card because I can get gift vouchers to use on flight with Jetstar.

Full review

I like this credit card because I can get gift vouchers to use on flight with Jetstar.

    Price   6 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Liza, Victoria, reviewed over 3 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   7 / 10

y

Y

    Price   7 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   5 / 10

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Mya, Tasmania, reviewed over 3 years ago

Jetstar

Jetstar credit card review

Overall rating   7 / 10

Great reward program and convenient online access

Gee I am really happy that I have set up a Jetstar Platinum Mastercard. My dealings with them whilst online or in person have been really positive.

Full review

Gee I am really happy that I have set up a Jetstar Platinum Mastercard. My dealings with them whilst online or in person have been really positive.

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

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Peter, Victoria, reviewed over 3 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   7 / 10

Great for one reason only

I decided if I was going to have a credit card, I may as well get one with great benefits like no fees when booking flights! It's a real positive if you can resist using it for any other purpose!

Full review

I decided if I was going to have a credit card, I may as well get one with great benefits like no fees when booking flights! It's a real positive if you can resist using it for any other purpose!

    Price   4 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   6 / 10

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Jacinta, Victoria, reviewed over 3 years ago

Jetstar

Jetstar credit card review

Overall rating   0 / 10

Gave up the credit process

My husband applied for this card and was asked for his payslips FOUR times because customer service kept losing them, and he had to follow up with customer service each time to ensure the application process was still happening (how could they be...

Full review

My husband applied for this card and was asked for his payslips FOUR times because customer service kept losing them, and he had to follow up with customer service each time to ensure the application process was still happening (how could they be lost or misplaced FOUR times??). Then we were told his payslips weren't adequate (he makes over $100K annually) and customer service wanted to contact HR – when my husband asked what they needed to discuss, the rep refused to say. After a month of this back and forth we finally called off the process. Whenever we've applied for a credit card, we have been given instant approval. I can even understand if this process took a week – but a month?? We decided not to continue the application process because quite frankly, if the application process is a reflection of how the general company runs, we do not have faith that services will be provided to us ACCURATELY and in any sort of timely manner.

    Price   6 / 10

    Features   7 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Jan, Western Australia, reviewed over 3 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   1 / 10

Not Competitive, Terrible Service, Why Bother

Two weeks after receiving my new card I was overseas and started receiving collections calls demanding overdue payments! It was awful, constant missed calls, no messages then finally reached someone who gave me harsh words. It was difficult to...

Full review

Two weeks after receiving my new card I was overseas and started receiving collections calls demanding overdue payments! It was awful, constant missed calls, no messages then finally reached someone who gave me harsh words. It was difficult to convince them that two weeks in and being overseas I hadn't expected a payment due and that it was a bit unreasonable. The points system is a shocker - good luck earning enough to use for anything, let alone being able to redeem them. They can only be redeemed in batches of 25 (after three years I have 58 points, so I can get a $50 voucher for Jetstar, wahoo). Not worth it AT ALL. Interest is the highest I've ever had on a credit card, it's not at all competitive. There is no ATM network and you are charged an annual fee. They are super-quick to call when there is a problem (like an overdue payment 2 weeks after signing up) but had to get hold of and call-centres are off-shored. All up: there are many better options, why go there? Don't bother.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Mona, Victoria, reviewed almost 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   5 / 10

Great vouchers but terribly delayed online info.

The rewards program is good if you fly often with Jetstar but my transactions don't show on my online banking account for several days and the balance is never up to date. This makes it very difficult to keep a $0 balance to avoid having to pay...

Full review

The rewards program is good if you fly often with Jetstar but my transactions don't show on my online banking account for several days and the balance is never up to date. This makes it very difficult to keep a $0 balance to avoid having to pay interest. The customer service is outsourced overseas so you're out of luck if you need anything that isn't on the information card the staff at the call centre have access to.

    Price   5 / 10

    Features   7 / 10

    Customer service   2 / 10

    Convenience   0 / 10

    Trust   4 / 10

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Jemma, New South Wales, reviewed almost 4 years ago

Jetstar

Jetstar credit card review

Overall rating   0 / 10

Don't use Jetstar credit card!

Jetstar have demonstrated to me they are merciless, money-hungry bastards who don't give a stuff about customer loyalty, longevity and good standing. I will never again use this company. Oh and by the way, I have an A+ credit rating, good payment...

Full review

Jetstar have demonstrated to me they are merciless, money-hungry bastards who don't give a stuff about customer loyalty, longevity and good standing. I will never again use this company. Oh and by the way, I have an A+ credit rating, good payment history and good spending power. They are idiots to lose a good customer like me.

    Price   2 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Cheri, , reviewed almost 4 years ago

Jetstar

Jetstar credit card review

Overall rating   4 / 10

Poor customer service

They have no contact with me at all.

Full review

They have no contact with me at all.

    Price   2 / 10

    Features   4 / 10

    Customer service   1 / 10

    Convenience   2 / 10

    Trust   3 / 10

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Lisajane, Queensland, reviewed almost 4 years ago

Jetstar

Jetstar credit card review

Overall rating   8 / 10

Good rewards equals great holidays

I like this product as it enables us as a family to have a nice trip abroad every two years using the Qantas points.

Full review

I like this product as it enables us as a family to have a nice trip abroad every two years using the Qantas points.

    Price   2 / 10

    Features   7 / 10

    Customer service   3 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Angie, Victoria, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   6 / 10

Recently I had a problem; it was quickly resolved

Recently I had a problem that was quickly resolved. A representative gave me his personal number & requested I contact him if the issue was not resolved to my satisfaction. Within 24 hours, the matter was resolved with an email. I contacted the...

Full review

Recently I had a problem that was quickly resolved. A representative gave me his personal number & requested I contact him if the issue was not resolved to my satisfaction. Within 24 hours, the matter was resolved with an email. I contacted the customer service agent to tell him and he said he had made it a priority to satisfy my complaint. He reiterated his promise to contact him personally if I had any future issues. Having initially dealt with the company's out sourced call centre, it was a great relief to now have an experienced operative willing to handle my enquiries & complaints personally.

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Paul, South Australia, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   0 / 10

Questionable Tactics

I applied for the Jetstar MasterCard for the 30,000 FF points on offer. This organisation seems to target potential borrowers less likely to pay off their card on time. In my situation I earn $150k, 12 years same employment as PAYG, very...

Full review

I applied for the Jetstar MasterCard for the 30,000 FF points on offer. This organisation seems to target potential borrowers less likely to pay off their card on time. In my situation I earn $150k, 12 years same employment as PAYG, very manageable mortgage, $10k in other credit cards absolutely clean credit. (I work in finance and mortgages so know a thing or 2 about credit and risk). Amazingly I was declined for a $10k card. They give you this general answer of "didn't meet our credit criteria". I have read other forums and others in a similar situation have also been declined with great credit and income. Don't waste your time.

    Price   2 / 10

    Features   3 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

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George, New South Wales, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   2 / 10

No ability to download transactions to spreadsheet

This must be the only credit card that does not have the facility to download transactions in a variety of formats - such as .csv which can be loaded into a spreadsheet to then manipulate the data. This is an essential requisite for any business...

Full review

This must be the only credit card that does not have the facility to download transactions in a variety of formats - such as .csv which can be loaded into a spreadsheet to then manipulate the data. This is an essential requisite for any business credit card.

    Price   4 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Bruce, New South Wales, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   0 / 10

Hopeless experience in every sense

I recently applied for the Jetstar card (just to take advantage of 0% interest transfer). Don't bother! Every call you get transferred to an overseas call centre. The usual issues - difficult to converse, don't know basic spelling etc etc. On top...

Full review

I recently applied for the Jetstar card (just to take advantage of 0% interest transfer). Don't bother! Every call you get transferred to an overseas call centre. The usual issues - difficult to converse, don't know basic spelling etc etc. On top of that they rejected my tiny application (when 2 other highly reputable local providers have accepted). And to add to it they don't even tell you WHY you don't meet their lending criteria. Hello.... Don't waste your time!

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Helen, New South Wales, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   0 / 10

Bad people skills, do not care attitude

Applying for a Jetstar credit card.........wow. I have an Amex Gold and Amex Plat, I applied for this card, mainly to get points, it took over 6 weeks to get a response and it was knocked back. My income is over $150k annually, my investments are...

Full review

Applying for a Jetstar credit card.........wow. I have an Amex Gold and Amex Plat, I applied for this card, mainly to get points, it took over 6 weeks to get a response and it was knocked back. My income is over $150k annually, my investments are 1.5 mill over. I asked them why it was knocked back, and asked if they have spoken to my accountants in Brisbane, one of the leading firms and they said no. I rest my case, do not apply for this rubbish card, plenty of other good cards around with better offers and better people management skills.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   1 / 10

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John, New South Wales, reviewed about 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   2 / 10

No customer service, horrendous late payment fees

I was just a couple of days late with my first payment, because I had not established a routine yet, and was slammed with an $35 late payment fee.

Full review

I was just a couple of days late with my first payment, because I had not established a routine yet, and was slammed with an $35 late payment fee.

    Price   1 / 10

    Features   4 / 10

    Customer service   2 / 10

    Convenience   4 / 10

    Trust   0 / 10

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Carina, Queensland, reviewed about 4 years ago

Jetstar

Jetstar credit card review

Overall rating   0 / 10

Internet banking

Terrible issues with the internet banking. Been unable to log in and keep getting logged out. Two day wait in between each lockout. Almost been a week now and I still don't have internet banking access.

Full review

Terrible issues with the internet banking. Been unable to log in and keep getting logged out. Two day wait in between each lockout. Almost been a week now and I still don't have internet banking access.

    Price   0 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Rob, , reviewed over 4 years ago

Jetstar

Jetstar Mastercard (Jetstar Dollars) credit card review

Overall rating   10 / 10

Great rewards if you like to travel

If you are able to use the Mastercard for all your spending, then pay it off each month - you not only have no interest to pay but do earn a $100 flight voucher for each $10,000 spent. Great incentive: no interest and vouchers towards your next...

Full review

If you are able to use the Mastercard for all your spending, then pay it off each month - you not only have no interest to pay but do earn a $100 flight voucher for each $10,000 spent. Great incentive: no interest and vouchers towards your next holiday and in the modern world, $10,000 isn't hard to achieve (as long as you have the finances to pay it back).

    Price   6 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Bronwen, Queensland, reviewed over 4 years ago

Jetstar

Jetstar credit card review

Overall rating   10 / 10

Great rewards for using Jetstar credit card

I use my credit card on a daily basis and I ensure I pay the full amount by the due date. So I don't pay any interest. I get great rewards for using my credit card. I get to fly with Jetstar on a regular basis with the vouchers that I receive for...

Full review

I use my credit card on a daily basis and I ensure I pay the full amount by the due date. So I don't pay any interest. I get great rewards for using my credit card. I get to fly with Jetstar on a regular basis with the vouchers that I receive for using my card. I average $500 to $600 per year as a reward. Love it.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Janet, , reviewed over 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    8.0

    Based on 201 ME credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

    Go to site

    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.6

    Based on 860 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425

    Go to site

    More info

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $425
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.7

    Based on 6049 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year

    balance transfer rate

    0% p.a. for 6 months and then 20.99% p.a.

    purchase rate

    0% p.a. for 14 months then 20.74% p.a.

    annual fee

    $129

    Go to site

    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Annual fee: $129
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 202 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 217 credit cards in the Mozo comparison engine.

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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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