Store card that's set up to be used as a normal credit card with a high interest rate. Perfect for its intended purpose of interest free promotions from retail stores, however using it as a credit card is just a money pit.
The credit card Latitude had one of the high interest rates around. To make a bpay payment on your own card they charge you a fee. They have the worst bunch of dishonest and untrained unprofessional foreign customer service team I have dealt with. I put in a complaint form and that does not even get read or escalated. When I finally get through to CS they say well what do you want us to do about the complaint of giving false names and dishonesty!
The interest rates are too high. I was getting lots of calls regarding changing to another product/loan. Despite excellent credit, these enquiries drop your rating and they wouldn't accept an application as I am on a pension. I had told them I wouldn't get accepted but they persisted. Naively I said yes. Now I regret it. Paying it off and cancelling it soon.
I pay more than the minimum every month. And I get charged $30 for late payment fee. This is not acceptable. The payment takes more than 3 days sometimes, so you should be patient instead of charging me. You should have some respect, as people are struggling with money due to the COVID-19. So disappointed.
Let's discuss the Pro's. After all, isn't that why you came here to begin with? What can't you love about a credit card that gives you 55 day interest free on all purchases... PLUS... 6 months interest free on purchases over $250. You read that right, buy something for more than $250 and you get 6 whole months to pay it back! If you thought about ZipPay and AfterPay... well, it's time to kick those bad boys down the road. This kid on the block has out done all their offers, ten fold! I wish there was more positive things to say. But nothing can dwarf the 6 month interest free period. It's pretty killer! Alright, about the cons. Do you like fees? Nah, me neither! But this card has a $99 per annum fee attached to him. That means you get whopped with a $99 fee just for being a member. I know it sounds harsh. It almost made us break up recently. But shhh. Don't tell her I told you that. Can you handle a bit of heat and the $99 doesn't bother you? Well, it looks like you guys may be a good match!
I am very happy with this card. I obtained it to travel overseas initially and is fantastic as accepted everywhere I went and no additional charges. I now use it all the time as there is not annual fee, it $0 They do charge .95 to transfer money from my bank to pay off the credit card each month but guess they have to make money some how.
I hate this company. I have tried 4 times to contact by phone to ascertain why I was charged a late fee when my payment was paid the day before due date. I received a recording that says that there is a 2 hour wait and when I did get through after 2 hours was told to phone Latitude. After 2 weeks of trying to phone and the phone cuts out I have sent 3 complaint forms with no response. There is no email address to write to, just a phone number that doesn't answer. How do I fix my problem. Will never deal with them again. Their customer service is non-existent.
Very disappointed. Filled out application. Site said I would receive an email within 48 hours indicating whether I needed to provide further documents. No response within the time frame indicated on the website. Contacted online help a few days later. Extremely unhelpful. Then when I checked my email there was an email indicating the application was declined- no request for documents to substantiate my application, no explanation. l was very disappointed and left wondering if this is a scam to steal personal data.
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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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