Gem Reviews 93

I haven't even received my card yet and I have been sent 6 emails saying how to spend the amount on the card.....give it a break Gem Visa!

GEM Visa is a masterclass in poor transparency. Fees and settlement figures are confusing, hard to verify, and unnecessarily opaque.

Its parent company, Latitude, is reportedly facing a potential $85M penalty in Australia over misleading advertising—hardly reassuring.

Whether intentional or not, this feels misleading. For a financial provider, that’s unacceptable. Proceed with caution.

Absolutely shocking communication. Greedy is another word I would use for this company. Tell you one thing (interest rate) you apply, and find that the actual interest
rate is double. Absolute crooks.

I can absolutely confirm what some of the other people voiced. I used Gem to buy necessary appliances when needed and that part all went super smooth and easy. I have a very high credit score overall and make sure I pay all my bills up front, my Gem makes it super difficult for people to be able to do that. Your account is not setup for direct debit automatically and even if you setup your account on their app, it still does not work. You need to print and fill in the application and post it to them like back in 1986. Due to the lack of correspondence you are still at risk of failing at this attempt. It is like they want you to miss the first, second or any payment for that matter so xan start charging you interest you would think is free by default. Fraudulent behaviour on their behalf to scam customers into losing money.

Horrible money making trap.
Their system is designed to charge you interest, so every time you pay back you have to call them otherwise your money goes to higher interest account. There is no protection against 'no service' from merchant, so if you are scammed you have lost your money. Most of the support provided by chat bots, so your left with seeking legal advice or lawyers for your basic disputes!
Go homeless if you have to, but get rid of Gem Card!

Worst contractor by far working from missed appointments bad workmanship taking months to complete jobs and making up fake appointments shocking really then you councils saying do it right first time they must joking 😀

Ya! Services is very good take care of patient health I will satisfied,

As if the GEM Visa nightmare wasn't already bad enough, they have just updated the terms and conditions so you DON'T get 6 months interest free automatically, instead, you have a limited time to go online and apply for it AFTER the sale. And now, all overseas purchases (including online) NO LONGER QUALIFY for 6 months interest free. This is all on top of the long list of deceitful practices you can already read about in other reviews. If you have this card, pay it off and get rid of it. If you are thinking about getting one, honestly, just don't do it.  

I am disappointed with my experience with Gem. Despite requesting the issuance of a new account due to recurring unauthorized payments—regardless of whether new cards are issued—the issue persists. I have contacted approximately seven different customer service representatives without receiving a satisfactory resolution. Consequently, I have filed a formal complaint.

It would have been straightforward to close the existing account and reissue a new one, but this was not done promptly. Since the unauthorized payments began in September, the issues remain unresolved. Additionally, communication with staff has been challenging, as there has been conflicting information, and explanations have often been unclear. At one point, I was told an investigation had been conducted, only to be informed a month later that no investigation was ever initiated.

Due to these ongoing issues, I have decided to close my account and seek alternative services. Based on this experience, I cannot recommend Gem.

One of your agents spoke to me in a high voice during our conversation. I would like this issue addressed because I expect professional communication. He’s an indian

I have been going round in circles on the 17/10I was receiving $1100 into my gem visa account.
Have transaction of the deposit due to a ref number being wrong this wasn't deposited.

The money has not gone back to th
e merchant although his end says it has been received
I have been ringing the help line been given so many different excuses and the money can still not be found.

After ringing every second day finally last week a car said they would get this esculated which I thought had been done, and was told someone would ring.
3rd Nov rung again still no update and someone will ring how frustrating...Rung again today to be fobbed off that it's been esculated and someone will ring

I found the complaints form today filled it in to get an email back saying they will get back to me in 30days
Crazy I don't know where else to go the money is in their account give it back at least have decency to reply back

Latitude Financial/GEM VISA are easily the worst financial company I have dealt with. I deal with 7 others.
It starts with the multiple different websites (making huge potential risk running into scammers), and most recently not being able to log-in to my account.
Their customer service is slow to respond, an issue response to arrive within a week is now 2 1/2 weeks (& counting), and they insist I install Google Chrome to resolve. I told them it would not happen but it just went in circles.
A quick search (even googles own search) will show the security risks with Chrome & why I refuse to use it.
Recently, not being able to access my account/statement had resulted in a penalty as I was unaware of their won charges being added & so underpaid.
Their 2023 cyber attack (with millions of customers details stolen) was no surprise, and a AFAC report, in Aug 2025, shows some 180 customers still have complaints to be resolved.
NOT TO BE TRUSTED!!!

One of the worst in my 50 yrs of business experience. Long story short: Retarded, arrogant, lack of any professionalism, let alone any common sense or wisdom. All I wanted was a 12 mth programme to teach children to value money & not splurge, I showed evidence of financial standing, In fact, with investments abroad, hv enough $ to buy the goods 200 times over! They disqualified me, as some sort of a ''beggar'' Lol, gd karma for me.

⚠️ Beware of Gem Visa (Latitude Gem Visa) — My Honest Experience ⚠️

I want to share my experience with Gem Visa (Latitude Gem Visa) to help others make an informed decision before using their finance services.

When you take finance from them, they don’t clearly tell you that everything must be paid back within six months. They make the process confusing on purpose, so you don’t fully understand the repayment terms.

Their interest rates are extremely high. You might think you’re getting a good deal, but in reality, you can end up paying almost three times the amount you borrowed.

For example:
If you borrow $2,000, you might end up paying back around $6,000 if you don’t pay the full amount within the six-month period.

After that period, you must pay off everything in full and close your account. Otherwise, they keep adding extra fees and charges that pile up quickly — costs you would never imagine.

They won’t explain this clearly when you first buy something. They make it sound easy and attractive, but it’s a trap.

👉 My advice: Avoid borrowing from this company at all costs. They operate in a way that feels like a scam.

Please think twice and read all the fine print carefully. Don’t get caught like I did.

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.

What a shock. Total scam Company. I borrowed $3000 for a iPhone. end up paying Kept keying instalments for 3 years. paid more than $2500 and when I asked how much balance remaining they said $2700. I used what happened to the instalments I have been paying for 3 years.

Scam got to be the worst company, I bet they steal your data when they ask for all the details so they can sell it, was fast for them to review my information and refuse it in 1 minuetes. Be careful of these people! 100% a scam

Don't go near this company, the charges are out of control, customer service leaving you with headache as you can't understand a bloody word Their saying, They will find ways to stop you closings your account so they can continue charging yearly fees, my advice when trying to close account on phone record conversion and advice you will take action of your own if they won't, I will continue to write reviews on every platform I can about Gem to worn people

As far as credit purposes Gem is great, they have many interest loan periods, However, to contact their helpline is impossible. When you call their number (which you have to search for online, its not even available on their app), you get a 5min recorded msg before you can get through to talk to a human. I've phone them 3 times in the last couple of weeks and the first 2 times it took at least 15min before I got to talk to a human. There is a chatbot on their website, which will lead you to generic answers, but when you need specifics this is no good. There is NO email address to contact. Seriously just to contact them and ask a simple question is impossible. So long as you use the credit system wisely it works as well as any other interest free credit system. But contact is impossible. Unfortunately, when you do get through to speak to a human accents are very difficult to understand. If Gem would review their contact processes it would make it way easier and I'm sure they would get more customers.

It’s a scam … rip people off