We are stuck with NAB for financial reasons. At our local branch, there is a regular turnover of staff and you have to repeat so much information when we ask technical questions about our credit card payments or queries. Customers should do their research for sure.
I have been a customer for nearly 40 years. It has become now more out of convenience and the fact that changing banks takes effort. I once used to be called frequently to ensure I was happy with my products and they suited my needs. I haven’t been contacted in the last 5 years or more. Having said this, on the occasions I have needed to contact I have also had helpful professional and courteous service.
PROs: * Secured a good interest rate. * Good customer service in relation to hardship. ** I was made redundant & contacted NAB and they worked with me. *** deferred payments on outstanding balance. *** froze interest accrual whilst unemployed. CONs: * Interest Rate.... But who doesn't want to pay less interest? CONCLUSION: * Contacting them as soon as I became unemployed, customer service were very understanding and I wasn't made to feel embarrassed by my change in circumstances. * I was unemployed for 8 months and they extended the original 6 month account freeze for a further 3 months (and said they could offer longer if my circumstances did not change by then).
The Qantas Rewards Signature Credit card is packed with benefits and features providing a comprehensive overall product. The limits and insurance are standard and not standout but the inclusive price protection is a bonus feature which many credit cards no longer offer, however the criteria to qualify for this are quite strict. The annual price for this card is high but if qualifying for bonus points and insurance then it can be offset. Staff have been helpful when answering questions about the product and setting up shared access between additional card holders.
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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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