I work for public hospital. Currently have salary packaging and novated lease. Have a 2nd highest credit rating. Earn a 6 figure salary, with approx 65% outgoings. Credit card application took over 2 weeks to return as declined (which during this time, St George kept asking for documentation which was already submitted in the initial submission). Took continuous phone calls to finally find out that St George does not assess salary packing + the tax free component of novated lease as income (by the way, also found out that St George did not look at half of the key documents which I had submitted). That is approx $20k of income that St George refuses to consider as income. This is even when it is clear the income is indicated in my bank statement as being received on a regular basis. Credit rating hit, plus a waste of time. Imagine if you are applying for a home loan? $20k less per year would equate to considerable amount of borrowing power. My advice is, if you work in a public sector, where you have taken on salary packaging (this is not salary sacrifice, which St George keeps thinking what this is), I would avoid. Unless you do not mind risking borrowing way less than what other banks may offer you (for a home loan) or getting declined for credit cards. My opinion is, St George assessment or verification team needs education and training.
St. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.
The reason I am giving them a terrible review is the appalling customer service by their fraud and scams team. If you are a customer who has just been financially violated by a scammer who has charged your credit card you want your bank to care and answer the phone in a timely manner. It took me 8 attempts and 7 hours to finally speak to their frauds team. Once I did the operator was cold, rude and completely uncaring. I had details of the scammer and she didn’t want them. How would the shareholders of St. George bank feel about that? Let alone me the traumatised victim of fraud. Absolutely disgraceful. I have $2 million dollars of loan with them on mortgages etc. First thing tomorrow, I am looking at refinancing and never returning to this bank.
I’ve been with this bank for six years and I’ve had amazing customer service. They always make my needs and help me on the phone answering promptly and changing whatever I need. Changed products and services offered are outstanding. Always happy to give you better options.
Worst banking experience ever. I applied balance transfer Vertigo Visa Card somewhere around 13 January and still they verifying documents. Verification team wouldn’t ask the documents they need at once. They ask one or two documents at a time, some times same document twice and will make sure you are busy. Had to call many times still didn’t get the answer. If you are not in hurry and have plenty of time to waste, this is the place.
I would not recommend getting a credit card through this bank. 3 months on, 7 phone calls, several emails, and 2 visits into the bank, and I still haven't received an additional card for my wife. It took 3 attempts for my card to arrive, which was painful enough, and now I have attempted 4 times for my wife's card to arrive. It was promised to be express mailed, never arrived. It takes weeks for the bank to respond to complaints, or they don't respond at all. I have never experience such incompetence from a bank like this before.
No service, no product, no follow up, no ethics, no resolution, zero satisfaction and absolutely zero stars. Application for credit card negatively impacted credit score due to incorrect procedures by St George. Total lack of follow-up and any kind of communication caused loss of significant bonus Qantas points. Plus tens of thousands of shopping points over the Christmas period which would have been earned with a reputable bank, was prevented by St George's refusal to behave in any kind of fair and professional manner when they dragged the application on for three months. And still waiting for the follow up call promised many times by many different reps. Disgusting.
I have had a lot of credit cards over the years from all the big banks and providers and are currently in the process of applying for a St George credit card. I have to say that their call centre is the worst that I have felt with, every time you talk to them they change their minds about what you need to provide. It is like they are making it up as they go. If it was not for the bonus points - and my own stubbornness I would just give up. I have been at it for three weeks now with constant phone calls and have found that the only way you get someone who knows what they are talking about is to demand to talk to The Australian supervisor. Probably best to avoid this bank.
This card is great if you want to gain Qantas points where only a Visa or MasterCard is accepted. There was an 80,000 Qantas point sign on bonus. The annual fee of $279 is high when compared with other credit cards earning Qantas points but for the first year it was reduced to $139. Within 4 weeks of your birthday you also receive an additional 10% of the points earned in the last 12 months.
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Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.