Latitude features and benefits

Is the customer charged a penalty for paying our their card balance early?
No
Yes
What cards are accepted?
GEM Visa
Creditline
Go Mastercard
Buyers Edge
HSBC
Can the customer make extra repayments?
No
Yes, but only one additional payment a month.
Yes, as many times as they want.
Yes, but only via bpay
Which of these is correct for a GEM Visa card?
Purchases over $250 will get the customer 6 months interest free.
Interest is backdated.
Customers only pay a once off payment for owning a GEM card.
What is the fee for owning the GEM Visa card from the 29th March 2023?
$99 annual fee
$9.95 monthly fee
$0 there are none
$12.95 month fee
Can you apply for a GEM Visa if you are on a working visa?
Yes, if you intend to stay for the next 12 months
No
Yes, no conditions
Does the customer get a credit check completed on their account when applying?
Yes
No
What is the interest rate on purchases past the interest free period?
22.95%
18.95%
25.90%
14.90%
When can you talk to customers about Interest free terms?
Only if they bring it up first.
You can discuss finance if you mention all available payment options.
There are no restrictions.
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