WHAT IS Q CARD?
Q Card is a credit card that gives Q Cardholders a minimum of 3 months no payments and no interest when they use their Card for in-store and online purchases. Today, Q Card has a prominent place in the wallets of thousands of New Zealanders, helping them buy the things that matter.
Q Card is provided by Consumer Finance Limited, a member of the Flexi Cards Group of companies.
LONG TERM INTEREST FREE DEALS.
Q Card offers a range of competitive interest-free deals and payment holidays. Whether you’re planning a holiday or refurnishing your home, you can make your big purchases on our interest free or payment holiday terms that give you 'breathing space'.
Q Card is perfect for those smaller purchases too. Simply swipe it or use it online to get 3 months no payments and no interest on every purchase.
ACCEPTED AT THOUSANDS OF PLACES.
Q Card is welcome at thousands of places throughout New Zealand, including selected online stores. Use our handy Store Finder to see where you can use your Card.
COMPETITIONS, DISCOUNTS AND EXCLUSIVE OFFERS.
As a Q Cardholder, you can be the first to know about exclusive promotions, deals and discounts from a range of popular stores. You may also gain entry to regular competitions for a chance to win great prizes. Make sure you sign up to Q Deals so you don’t miss out.
MANAGE YOUR ACCOUNT ONLINE.
With the convenience of online self service, managing your Q Card account is easy. The online self service lets you view your available credit, check your next payment due, review your transaction history, update your contact details, and so much more. To set up your online account, simply call us on 0800 117 000.
DOWNLOAD THE MOBILE APP.
Use the Q Card Mobile App to check your account whenever you like, wherever you like. It’s free to download, and then you can keep tabs on your available credit, account balance and payment due dates while on the go.
FLEXIBLE REPAYMENT OPTIONS.
You can choose to make your payments weekly, fortnightly or monthly. A minimum monthly repayment may be required. You can also choose to pay by direct debit, internet banking, telephone banking, automatic payment or by cheque. Click here for more details.
Q Card gives you access to a range of insurance options, so you can protect yourself and the people who matter to you. Find out more here.
WHAT IS THE MINIMUM REPAYMENT AMOUNT?
As long as you pay the minimum monthly amount each month, how much you pay in addition is up to you. The minimum payment required will depend on the amount you owe and the plan you have entered into. This could be worked out as 3% or $10 (whichever is greater) of the outstanding account balance for Flexi Payment Plans or set amounts for Fixed Instalment Plans.
If you only make the minimum payment each month you will pay more interest and it will take you longer to pay off your balance. Visit sorted.org.nz/creditcards to calculate how you can pay off your balance faster and pay less in interest.
For hassle-free payments you can fill out a Direct Debit form in-store or download one now.
Complete and post the form to:
Q Card Customer Service Centre,
Consumer Finance Ltd,
Private Bag 94013,
Alternatively, call 0800 117 000 and we can complete one over the phone for you.
Simply follow your bank's procedure for paying online. You'll find Q Card included in all major banks’ lists of payees. Just remember to use the last 12 digits of your Q Card number as reference for your payment, as this will ensure your payment reaches us.
You can ask your bank to set Q Card up as one of your payment parties. Remember to use the last 12 digits of your Q Card number as the reference for your payment, as this will ensure your payment reaches us correctly.
You can make a fixed payment weekly, fortnightly or monthly from your bank account. Download our automatic payment form, complete and then return it to your bank. Please note that a separate authority is required for each account you have with Q Card.
POST A CHEQUE
Return the payment slip from your Q Card statement with your cheque to:
Consumer Finance Limited,
Payment Processing Centre,
Private Bag 92181,
Victoria Street West,
Please allow at least 5 working days for the cheque to be processed.