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I was having trouble making my repayments as a result of ending up in hospital and not being able to work. They were very understanding and helpful and organised a hardship payment plan that was well within my current budget. A big relief during a difficult time. Would recommend to anyone.
I got this card so I could buy a gold chain for my partner’s birthday on an interest-free period. I loved the convenience and ease of getting it. I didn’t have to pay the annual fee initially because I was employed with a company that it was waived for.
I have been very happy so far with the ease of managing my account and billing information.
I would only use this card if I could pay it off in the interest-free period as the rates are very high. It is great for people who need to have emergency funds available and have no other options available to them.
A great card if you want to make large purchases as you get at least 6 months interest free on purchases over $350, plus many retailers offer longer interest-free deals on other purchases. However, their call center is extremely bad. For one, it is not based in Australia, and their customer service is slow and they are difficult to understand. Obtaining information can require that you go through multiple consultants until they find someone that can answer your question. Their online customer access is quite good. The transaction details allow you separate interest-free purchases from regular purchases.
Overall, it is a good card for large interest-free purchases and for other purchases provided you pay off the balance in the interest-free time frame. If you don’t, be prepared for massive interest. There are better, cheaper cards out there for more everyday purchasing habits that have comparable online access and better customer service.
I love Gem Visa, because no matter where you spend $250 you get six months interest free, which comes in really handy for stuff like car regos and unexpected bills like dentists and mechanics. Then there are options for longer interest-free periods, like 12, 24 or even up to 50 months, which has been great. Definitely the best credit card I’ve ever had.
Setting up my card was very easy, and it did not take long to approve.
After six months I wanted to top up my card for Christmas so I called them to see if this was possible. They were very helpful and it didn’t take long to top up my card limit.
I do feel the Interest is a bit high in comparison to other cards.
It is convenient, but the charges are astronomical and there are more charges than actual spending. You never seem to be able to reduce the balance amount as the charges are over and above what is necessary, even if you pay more than the amount owing per month. I am not happy at all.
My Gem card has been a lifesaver &mdash six months to pay off any purchase over $250.
Customer service is fantastic. A company split my purchase into four amounts, so I wouldn’t have qualified for the interest-free period. But I flicked Gem a Facebook message and they had it fixed up within three days.
Gem has quick approval, is easy to deal with and has an awesome website to help manage your card. I have used it overseas, for car repairs, bills and personal treats. There’s easy online limit extension too. Choose this card before one from your bank.
They also let you make extra payments or bulk payments with no consequences, and when it is time to cancel the card, it only takes a phone call.
Zero interest for any purchases over $250. Online banking is handy once set up. It was a bit of a task setting it up, but in saying that, customer service was helpful.
Late fees are a bit steep, but that’s our fault for not organising a direct debit straight away. Overall I think I’ll keep using this card.
I only got this card for finance on some furniture. It was very helpful in that regard, but otherwise I don’t use it. There are quite a few extra charges on it.
The customer service has been fairly good, apart from a few hiccups in miscommunication at first. They try to send me offers occasionally but I have never purchased with the card itself to receive any of the deals.
|Cash advances||2.08%||24.99% p.a.|