Easy to use product. However, late fees on 50 day interest free purchases can be a surprise if you have not kept track of what you are spending.
This product has an excellent interest free option which is easy to manage. You can also phone them and allocate what purchases you would like your money to go towards.
Interest rates aren't the best however the "interest free" periods they offer for certain purchases make it very worth while if you know you can pay it off within the required time.
Not straight forward or thorough. When asked on telephone how it works and extra costs provided false information. To be charged an initial fee on withdrawal and $2.50 per day interest is not ok
It's convenient, have had a couple of issues with being charged fees that I shouldn't have but with a phone call it was fixed. Customer service is pretty average when you want to ask about increasing your limit, pretty much don't bother calling unless you have a job, which I now know
If you think an interest free purchase at a store sounds like a good idea, read the T&Cs carefully, or you'll end up with a credit card that doesn't have the most competitive rates.
Have a great product, that is very expensive on the real side of things, but convenience and interest free periods are well catered for.
They add late payment fees when the statement has only just been sent. Statements over a week late. Will never use this again!!! Highly unrecommended......
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