Topic: Credit Cards

A supplementary cardholder could only see her transactions online, so only paid part of the balance of the account allowing the main account holder’s transactions to accumulate incurring interest

Lisa had been making payments to the wrong bank account for her credit card. When she found out, the credit card company refunded her money, but Lisa remained concerned they had kept her money for a month and did not contact her. Can Lisa complain about the credit card company’s service and seek improvements in their process?

Is a credit card provider caught by the Consumer Guarantees Act and obliged to cancel a contract if the goods paid for with the card are not of an acceptable quality?

What happens if you transfer funds to your credit card provider to pay your credit card balance, but your funds get lost?

Jon applied for a credit card with 6 months interest-free. When he went to pay off the card at the end of the 6 months, Jon learned the card had been cancelled and his debt passed on to a collection agency. Why was this?

Nicky owned her own business. She received a complaint from one her customers. The customer contacted their credit card company about the complaint and the credit card company processed a chargeback. Nicky disputed the chargeback.

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.