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I initially obtained credit for a purchase through Harvey Norman for the amount of $900. I could not clear the interest free component in the 36 months, which has now become a high interest debt. High interest rates and fees makes this card expensive. It is widely accepted and cash advances are readily available through a variety of ATMs.
If possible I would recommend other less expensive cards, but if you want interest free periods then use this card but definitely pay that component out before the interest free period expires.
This card has reasonable interest rates with great offers from major retailers including Harvey Norman. There’s excellent online access to account information, including requests to increase the credit limit. BPAY payments processed very fast and applied to account within a day. Friendly phone staff who do what they say accurately and quickly.
My partner and I had recently moved out, and had nothing and were just relying on donated items. The GO MasterCard allowed us to buy a brand new couch set that was comfortable and enabled us to not have to stress about where the money would come from upfront.
I have found their customer service to be quick and efficient, and their self-serve menu when you call up is also one of the easiest and most convenient that I have used.
It’s easy to make an interest-free purchase. But it’s annoying that payments are automatically allocated to interest-free components before going to everyday spending (which incurs interest). I need to call them to allocate funds back to everyday spending, away from interest-free transactions.
There are annoying $0.90 fees for BPAY payments. To avoid this, you need to use the website to transfer funds, and this process takes 2-3 days to complete.
I love this card. It has low fees, lots of interest-free options and it’s so easy to manage! It’s easy to use, customer service is great and I get to speak to real people who quickly resolve any questions I may have. You can use this card pretty much anywhere you want.
I used this card for shopping and to purchase home electronics. It’s interest-free and has a $60 annual fee, but they are flexible in credit limit and payment arrangements. It’s basically an instalment-based credit card which helps you to not have to fork out $2000 at one go for electronics and household equipment like a fridge, TV, etc
The GO MasterCard is a great credit card for promotional offers with no interest at participated retailers. I have this card to use for furniture purchases. Most major retailers offer no interest over extended periods, so I usually have the item paid off before the interest starts. Not a good card for everyday purchases.
They have an offshore call centre and every time I call, it’s a struggle to have my query understood or actioned efficiently. I am propositioned for multiple offers when I have enough issues with their credit card as is.
The fees are high and their website is difficult to navigate.
If you have one of these cards and use it correctly then you can get the things you want and pay it off over time interest-free. It’s very handy when you don’t have the funds up front and need something quickly. There are many banks that offer interest-free terms with different promotions and periods.
When I got this card I received good interest rates and cheap insurance if something happened (if, for example, I got laid off or became ill, etc). I recommend this card to people who want to buy from large retailers that are offering interest-free deals, as it is helps to pay back.
|Cash advances||2.46%||29.49% p.a.|