Competitive interest rates, great customer service
We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear from overseas or over a certain dollar amount for confirmation before being debited to my visa account. This gives me peace of mind to know that any transaction that may seem suspicious is authorised by me first.
We have been members and account holders for about 10 years and we found the bank to be very understanding and helpful when we were new in Queensland. This we believe a very important matter especially you are new to a place and we cannot easily forget it.
The only down side to this card, if you can call it that, is the new security system they have. Believe it or not, it is too good. I was on holidays when I went to use my credit card and found that I couldn't access the funds. I called the credit union and was told the card had been cancelled due to a suspicious transaction. Whilst the transaction was only for $1.03, they said that the thieves regularly try a small amount and if it goes through OK they rip off what ever funds are available. I was impressed with how they picked this up, but disappointed as I then had to spend a couple of days arranging for a new card which was inconvenient. I would however rather be inconvenienced on holidays than have all my funds ripped off.
The bank check the Visa account total at the end of the month and post me a statement of all transactions in that month, then on the 25th of the following month they automatically deduct from my savings account the full amount due on the Visa account. I do not get charged any interest for the months transactions making it easier for me and also cheaper.
I did not like this bank and I'm trying to pay out my card because of the difficulty I have had to deal with them. I lost my job and could not make payments even though my credit card was well under the limit. They put a bad credit mark against my name cause I couldn't pay my bills. Now I can't get a loan or anything from anyone cause of them.
Mozo community reviewer, Queensland, reviewed almost 10 years ago
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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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