latitudefinancial.com.au Reviews 

The fees are already outrages then after being in front of payments, making a payment on the 1st of July by the 28th July I have a late fee payment of $45. It is too hard to deal with their support so I will pay this thing off and cut the card up into a thousand pieces.

Latitude emailed me multiple times confirming my credit account was closed. I trusted them. But the account stayed open. Charges resumed. And a transaction I couldn’t even see kept it alive — meaning I had no chance to dispute it.

I escalated to AFCA (Australia’s independent financial complaints authority), which found in my favour.

Here’s what they found:

– Latitude’s closure emails were materially false — not poor wording, but factually wrong in a way that cost me money
– According to AFCA, Latitude failed to meet obligations under the Corporations Act — not just a policy failure, a breach of legal standards
– They also breached Mastercard scheme rules, which exist to protect cardholders from hidden transactions and unfair charges
– The issue came from Latitude’s own systems, not user error — and yet they let the charges through

This wasn’t a glitch. It was a failure of transparency, accountability, and compliance.

AFCA awarded compensation — but only because I had the time and energy to fight.

If Latitude ever told you your account was closed, don’t assume they were right.
Check your records. You might already be owed money.

Wizard was once my credit card of choice, but in more recent times, endless problems caused us to cancel our account. Even that was problematic.

I strongly caution others against engaging with this company. They have a history of misleading clients and charging unjustified fees, often refusing to refund payments when challenged. Their approach to customer care demonstrates a lack of integrity and concern for the people they serve.

One of the worst companies I have been stuck with. I got signed up to the go mastercard through a dodgy as hell promotion through Harvey norman where I wanted to purchase something interest free. When I was working the card was no issue as I always paid off the card before interest was accrued.

Being unemployed for many years and not returning to the workforce I have found the card to be a horrible burden as I still need the card for unexpected expenses and can still make payments on time. However they absolutely refuse to transfer me to a card with a lower interest rate and will not even begin to discuss options other than going on a hardship plan which will not help me in the long run.

Customer service is truly terrible. I have not been able to make direct debit payment (a fee free payment) to the card in years and customer service has been truly awful at rectifying what is an odd error. Instead I am forced to use bpay to pay off balances which regularly incurs a fee for every transaction.

All of this from a really sketchy deal that I took up in my young days. I tried to get the account closed years ago while my card balance was zero and after months of being messed around despite written letters emails etc. I ended up having to spend on vet bills and it spiraled from there. A truly dishonest company that got way to many customers because of a really sketchy deal through Harvey Norman.
There are far better options out there, so go with them

Worst company ever. I added (extra) funds on my Personal Loan, my portal doesn't show it nor have they issued a partial refund because I accidentally over paid and they don't know where my money is. This is absolutely atroshes. Terrible experience and Worst decision I have ever made. I'm disgusted with them! Please get a loan with a more reputable company.

If I could give zero stars I would. They charged me fees on a zero balance owing but they will not tell you that. They will not call until you are a few months behind thinking you don't owe them anything because on top of the fees they charge they will also slap on late payment fees. When you sign up you automatically get signed up for paper statements which is another $5 a month on top of everything else. They won't call you straight away, they will just let fees and late charges build up and they will also sting your credit rating even though I was under the impression I owed them nothing. When they do eventually call it comes from multiple numbers all of which show up as "Potential Scam" which tell you everything you need to know about this company. Avoid like the plague.

Finally was able to close my account after paying off the balance multiple times but always being charged “handling fees” that took the amount into debt.

Then I get an email saying my account is in credit and to log into the app to request my refund. When I log into the app my account is magically reopened and they slug me with another handling fee to bring the account into debt. They are the most dishonest and horrible company.

The worst customer service I ever had in Australia. I was with David Jones Amex before and was transferred to Latitude Finance automatically. Closed my account two days ago, was charged annual account fees and I never activated my card or used it! Staying in the queue on the call for 30 mins and was hung up by them! Don’t waste your time to stay with this company! Never have the proper customer service.

Absolutely shocking customer service. Gem Latitude have taken over my personal loan from Kiwibank Latitude and my gosh the people on the customer service line have NO idea what they're doing or talking about and get extremely rude! Get told a different story every time you speak to someone. They Will confirm something verbally on the phone but Apparently they have no facility to do this by email and ALSO have no records of any letters or notices for anything overdue, don't understand what a credit report is, and that they are reporting a default incorrectly causing extreme stress and damage to a credit score! Refuse to transfer you to anyone senior or recognise the issue. STAY AWAY.

Very untrusted institute. We need to raise the issue to third-party.

Won’t remove a closed credit card from my credit report. This was opened in 2017 and closed years ago . Spoke to Manish today and offered zero help. Pathetic.

They called again and hanged up, rang back, said was out of working hours , after yesterday and 2 days ago sorting payments again and again sigh

PLEASE PLEASE PLEASE!!! I put $200 on this card, and the first month I went to pay the bill. The online portal asks whether you want the bill to be drafted from checking or savings. I selected savings. They drafted from checking and then charged me $30 for insufficient funds. I closed the card 3 days later and they have still been charging me late fees. I got this card to boost my credit and THEY MADE IT WORSE! THEY HAVE ALL BAD REVIEWS. THEY DO NOT CARE ABOUT THE CUSTOMER.

Horrible experience with this company, I've closed my account 4 months ago and they're still charging me $10.95 per month for "account servicing fee" even though I've closed my account and brought my balance down to $0.

I settled my balance over a year ago and I am still being charged $6 every month even though I have no credit card and on my app show $0 available to spend. I tried to cancel through the phone and email but never heard back. Do not engage with this company.

Forced to apply for Apple 0% finance, and as soon as they've got your debt they give you a credit card you don't want and charge you $6 a month for the privilege. Slap on a $5 charge just to pay your debt and you're paying interest anyway. Misleading, and honestly feels like it should be illegal.

I would not even give this company 1 star or half a one in relation to this company. I will never be using this company again and be closing my account. You call them ask to do something, 4 days latter call them again and nothing got done. Every time they just don't do what you ask them even when you have a ref number. EVERYONE PLEASE NOTE DO NOT USE THIS COMPANY. You will waste your time.

Signed up for 2 interest free plans and it has been nothing but a hassle to try and make payments. Only free option is to set up a direct deposit from a nominated bank account. No free instant payment option. Direct deposit takes days for it to finally go through so you have to make sure you have money in that account and if you don’t it sends a reversal and if it does that twice in a row in blocks you from using this as a payment option. I called to get this fixed and they wouldn’t unblock this option over the phone or let me nominate a new bank account. Said I can now only use bpay or auspost which have fees. Absolute joke with the technology we have today to not be able to make free instant payments whenever and however I want that best suits me.