Replace/Substitute 28 Degrees Mastercard

havebeerbelywillsumo on 15/07/2022 - 17:20
Last edited 15/07/2022 - 17:46 by 1 other user

With Latitude changing their payment system (without notice) I have met with grief in trying to retain a cost free payment method such that I am now considered as overdue. Attempts to contact Latitude via online forms and phone have all failed/not been responded too. Still attempting to contact them of course.

When I (hopefully) manage to sort this mess out I wish to leave them as their support IMO is abysmal AND IF THERE IS A SIMILAR NO FOREIGN TRANSACTION FEES product available (MUST BE CREDIT CARD NOT DEBIT CARD) - note ineligible for price protection so that bit doesn't matter.

I know this has been discussed before but now I need it, damned if I can find it - and with products continually being changed may not be relevant anyway?

Suggestions/help please.

Financial Credit Card

Comments

    • havebeerbelywillsumo on 15/07/2022 - 18:07

      Thanks. Never thought oF the wiki - but is it up to date?. Anyway "THANKS" can now search.

  • PissLUR on 15/07/2022 - 17:25

    they have sent out notice to everyone. most likely you missed them.

    • havebeerbelywillsumo on 15/07/2022 - 17:51
      +1

      See Naruto128 below - IMO missed nothing as nothing was sent.

      • 17833 on 15/07/2022 - 22:17

        Wow have no idea about the changes until I stumbled across your post. I have no idea what the changes are because I received have received no notification.

  • boomramada on 15/07/2022 - 17:29
    +2

    What's so hard about setting up a direct debit?

    • havebeerbelywillsumo on 15/07/2022 - 17:55
      +2

      Cannot guarantee on any given day that account will have sufficient funds to answer a payment request. (also Morien's reply just in looks disquieting!)

    • kipps on 15/07/2022 - 18:45
      +3

      These cards are, by their very nature, often used only for intermittent overseas spending of a very high amount. I don’t want to rely on direct debit to pay - I want to pay after I get back and can reconcile all receipts. I doubt I’m the only one.

  • naruto128 on 15/07/2022 - 17:31

    Had the same problem trying to make payment from my savings account. Kept telling me to contact the call centre but had to wait for ages to get through. Also never get targeted in any promos so looking to move on as well.

  • Morien on 15/07/2022 - 17:56

    Guess it wasn't just me. Took a few weeks to sort, but I contacted them through Facebook and had all overdue charges credited back. Still looks like direct debit isn't working though…

    • havebeerbelywillsumo on 15/07/2022 - 18:03

      Loathe Farcebook so not an avenue (but good to hear about your charges wiped, that's my aim too (once I get a human to speak too LOL)…………just received response to online complaint - up to 7 days wait - joke!!!!

  • stirlo on 15/07/2022 - 18:12
    +3

    I thought the new payment system was great.

    Previously I could BPay for 95 cents or do a free payment from a single account once every 3 days. This was limiting if you had money in a different account to then one that was registered or had to make multiple payments in a row.

    Now you can have multiple accounts registered as payment methods and switch between them while also having a mobile app that allows quick access.

    So you have to do a one time bank account registration and tell them how much they deposited. This takes like 5 minutes. Get it done and enjoy the better experience.

    • Ade99 on 16/07/2022 - 07:52

      I dislike the new system (for want of a better word) where you have to decide which account to pay your bill and never change unless you want to wait for a week whilst they pay you 2 pepper corns, as opposed to the previous system which was simple and quick….Lattitude , anything to make it harder!

      • stirlo on 16/07/2022 - 10:28

        Huh? I have multiple accounts registered as payment methods… yes each one needs to be verified but you can pay form any

  • bluesky on 15/07/2022 - 18:31
    +1

    It is actually very easy to set up. Essentially:

    1. Register a login at https://servicecentre.latitudefinancial.com.au/login .
    2. Link your credit card.
    3. Click on 'Pay my account' (select appropriate options). A few steps down, in 'payment method', you will be prompted to enter the account to pay from. They will deposit 2 micro-payments into your account, which you will use to verify that it is yours. Thereafter, you can use this as your payment method.
    • bdl on 15/07/2022 - 20:04
      +1

      thanks for this, had no idea they revamped the portal - haven't received any emails or anything from them about it.

      • bluesky on 15/07/2022 - 20:51
        +1

        Yeah, sounds like a number of people did not get any notification.
        I received an email on 27 May 22, with the subject 'Upcoming changes to your Pay My Account Feature'. That was how I knew.

    • Ade99 on 16/07/2022 - 07:53

      I think you should add "eventually" send you 2 pepper corns……

      • bluesky on 16/07/2022 - 14:29

        Yeah, it did take a few days for the micro-deposits to land.

  • toniyellow on 15/07/2022 - 18:48

    I got a notice by email on May 31 of the change but i was already annoyed with them, including like naruto128 never getting any of these offers despite a few inquiries to them - https://www.ozbargain.com.au/deals/latitudefinancial.com.au so never registered for the new service centre, just closed the account.

    I replaced it with an ING credit card. It's not for everyone, they have monthly criteria attached to get the no international fees, but I was already meeting that for a savings account so has been a good replacement for me.

  • Ocker on 15/07/2022 - 19:13
    -1

    My suggestion is very simple - stop SHOUTING in your message, it turns people off.
    You certainly lost me.!

  • SmiTTy on 15/07/2022 - 19:32
    +1

    There are fee free options that aren't direct debit. You need to register an account with the latitude service centre then link/verify a bank account. Once done you initiate a transfer whenever you want for however much u want

    • havebeerbelywillsumo on 15/07/2022 - 20:00
      -1

      "You need to register an account with the latitude service centre"

      Thanks for that - it's a part of a complicated scenario that I wished to discuss with Latitude before the due date but I was unable to do so as I couldn't reach them.

      Now it's past the due date and I am considered overdue but have no way to address that without speaking to them, which I am still unable to do. (and I have issues with only finding I was unable - solely through the actions of Latitude - to pay the account in the previous manner. I only found that the hitherto normal payment route was blocked by Latitude at the almost final moment ie when I went to lodge payment shortly before the due date.)

      • stirlo on 15/07/2022 - 20:27

        You realise this registration takes 5 minutes tops right? I'm sure if you complain about any late payment fees/interest accrued you can get them refunded.

        You're just overreacting to a minor inconvenience and have spent more time in this thread complaining than it would take you to resolve it. Let alone if you did change card providers you'd need to do even more steps to open a new account, setup online access and register a payment method…

        • havebeerbelywillsumo on 15/07/2022 - 21:21
          +1

          It is NOT my intention to be snarky with this reply -

          "You realise this registration takes 5 minutes tops right?"…it should but, no, it doesn't (eg you need to feed back to Latitude some info to confirm your bank account - that info is based on actions at their end which can take them "up to 2 days" to do - quote from their rules (and it has - despite being simple!) - this despite me wishing to simply use the same account I have always paid out of)

          "a minor inconvenience and have spent more time in this thread" - I have spent hours on form filling and contact attempts to resolve this - there is no way it should be so hard except they won't pay (my assumption) to have a proper and prompt support regime for their product. The time spent here is way less I assure you.

        • Ade99 on 16/07/2022 - 07:55

          2 days to stumble through their poor portal UI and then many days waiting on the pepper corns to arrive!

  • Jimothy Wongingtons on 15/07/2022 - 20:57
    +4

    If it wasn’t for price protection I would have dropped this mob years ago.

    honestly price protection is UNREAL.

    • zonra on 15/07/2022 - 21:39
      +2

      This.
      The amount of benefits I’ve claimed off them is more than all other Amex offers, credit card points and refinance cash back combined.

  • YadaYadaYada on 15/07/2022 - 21:55
    +1

    I contacted them recently about this by calling their credit card phone line. They advised me that I either had to set up a latitude pay account (which requires some mobile phone number verification and bank account verification) or I could pay via bank account on the phone (same as previously but you just read the details out to the person on the phone) as a one off payment for free. Going forward these would be the only 2 free options. They said direct debit is being phased out soon because I mentioned the form on their website goes to a dead link page.

    I called the number on this page https://latitudefs.zendesk.com/hc/en-au/articles/36000926351…
    Credit Cards:
    Within Australia: 1300 552 079
    When overseas call: +61 287 478 178
    Mon to Fri: 8:30am - 8pm (AEST)
    Sat: 9am - 6pm (AEST)

    Had to wait like 20-30min on hold mind you but did get to talk to someone eventually to talk to about this problem.

    • havebeerbelywillsumo on 15/07/2022 - 23:37

      Thanks - was going to try them again on Saturday.

    • mickeyk on 17/07/2022 - 03:52

      I have direct debit arranged - the fact that they are phasing it out makes me wonder if they will no longer allow it (they better notify me - I never received any information regarding this change)
      My latest 28 Degrees statement still lists direct debit as an option - it tells you to call 1300 552 079 to arrange it.

      • Coops1 on 17/07/2022 - 07:43

        Scaremongering. Don’t worry, they won’t phase out existing direct debits. At worst, you use the app to update/cancel.

  • jrvb42 on 16/07/2022 - 08:28

    I never understood why they were so anal about free payment methods, and still don't, not do I understand their reason for changing. But none of their actions seem customer focussed, and that alone is reason enough to reconsider having a financial relationship with them.

  • reactor-au on 16/07/2022 - 09:42

    I use the latitude app, couldn't see it being much easier.
    In the app I either select the account then paynow (fee free, available every 4 days I think).
    Or just use the bpay option and pay from my banking app (95c, pay as often as I like).

    Haven't seen any changes to the payment system or received any notices.

    • bamzero on 16/07/2022 - 12:57

      They have a new portal and while old paynow debit accounts were supposed to carry over, mine disappeared and I had to set up again and go through the 2 deposits verification which did take a few days to show up but after that business as usual.

      Even better is they've removed the 5 day restriction on using that payment method now too.

      If you're using the app, then you've already set up the account needed for the new portal (Lattitude ID I think they call it)

      I can't remember if I got an email about it or whether I heard about it on the Whirlpool thread

  • Coops1 on 16/07/2022 - 09:56
    +1

    Sorry, missed the kerfuffle. What’s changed? Doesn’t seem any different to me….
    fyi: found my way here from the daily email

  • havebeerbelywillsumo on 16/07/2022 - 13:44

    FWIW as mentioned above would try and contact Latitude today (Saturday)………..did so and got through almost straight away thank god……..paid last bill in full over phone and was told "overdue" status would be removed once payment lands……..here's hoping!…………..still unable to "verify" my bank account as they still haven't sent required info!!!

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