Topic: Credit Cards

In March 2015 Beth contacted us with a complaint against her credit card provider, Buy-It Limited. In 2003 there had been a miscommunication about a late payment fee. Beth complained that Buy-IT had incorrectly applied $10,310.86 in interest to her account over 12 years.

Serious inconvenience caused by the failure to communicate with a customer and provide information about the complaints process.

A business owner did not know that the terms and conditions prohibited him using his personal credit card to make a transaction through his merchant facility. The card provider suspended and then closed the accounts. The card provider’s failure to communicate caused the business owner inconvenience.

Your credit card declines when you try to make a purchase, because your credit card provider applied a spending limit to your account without informing you.

A credit you make to your friend’s overseas credit card account is never received. How do you get back the funds?

A dispute arising out of a credit card chargeback was referred to the Disputes Tribunal because of deficiencies in the participant’s internal complaints process resulting in additional costs to the complainant

Can a credit card company honour payments once a card is cancelled?

You have been made redundant and then enter into a short, fixed-term employment contract. Does this mean you cannot claim for credit protection insurance in the future?

James used his credit card to pay the deposit on a campervan rented during an overseas trip.