Topic: Credit Cards

Unauthorised transactions went undetected because Shyla did not check her account statements. The lender agreed to credit some, but not all, of the transactions.

Thomas can’t understand why he’s still got a $6,000 credit card debt when he’s paid $20,000 over 8 years.

Holly’s card was stolen and most of the preloaded balance was used. Holly wanted the company that managed the card to reimburse the transactions she had not authorised.

An investigation into fraudulent transactions identified a change in financial circumstances allowing the lender to make enquiries into the ongoing affordability of a credit card limit

A credit card provider accepted Rachel’s chargeback request after she discovered the cruise company she purchased a cruise from was in financial strife. The credit card provider then reversed the chargeback with no warning.

An elderly customer had been paying off the minimum balance due for six years without realising she was not making any progress towards repaying the debt. Is this fair?

Sfiso had paid a tour company a $20,000 deposit for a luxury tour of Europe. The tour was postponed due to COVID-19, and Sfiso wanted a full refund. Could Sfiso apply to his credit card provider to have the deposit payment reversed?

Demetri had been granted three separate credit cards, and had accumulated $33,000 in debt. But Demetri could not read or write English, and he had never understood the terms of his credit card contracts. What had gone wrong, and how could FSCL help?

A credit card provider cannot cancel the card afterhours after being advised it has been stolen, then goes on to cause some inconvenience when reissuing the card.

A trading platform begins behaving suspiciously, but is any loss the credit card provider’s fault?