Latitude 28 Degrees Global Platinum Mastercard Questions & Answers (page 2 of 5)

Login online and you will be able to add pin or change pin from the my account .

I have done it online. Play with it and you will find it

Unless you are the additional card holder then you must call up to add pin

Funds can only be deposited electronically.

it's a credit card, not a debit card, so i doubt that is effective other than to pay down the already accrued debt and thus leave you the full credit margin for expenditure

you can i guess use "pay from my bank account" manually, cognisant of perhaps a 3 day delay in seeing the funds show up

but it's a credit card - so loading more funds gains you nothing that paying the same money when payment is due will accomplish, and loses you the opportunity to have that extra funding in an interest earning situation (or offset) until you need to settle the monthly total

CITIBANK Debit Card. NO ATM Fees cash withdrawal. Best exchange rate of day.

28 Degrees is a CREDIT CARD, not a DEBIT CARD and is not designed for getting cash advances whilst overseas. When the card first came out, I was able to do this. But they stopped that some years ago and you will be charged interest on any cash advances you take out through the card. Get a Travel Debit card from the likes of Qantas or NAB etc for getting cash out overseas then load it up with the relevant currency.

I think you need to phone them to sort it out, sorry I can't be more helpful

Check the providers website, but usually most cards like 28 degrees exchange is based on xe.com then they make their profits by 3 main means, very clever/greedy one is from interest if you don't pay on time, the other is from their new charge fee when you do pay, then they make even more money trading your debt in foreign money exchange markets from minor fluctuations during the currency trading day using their customers spending habits with foreign countries.
SO the more debt you accumulate the more they have to 'play' with your debt.

As long as they accept MasterCard then you can use it anywhere in the world

Robyn It can be used in Italy in fact major Italian retailers in Milan will willingly accept your 28 Degrees Card even if you aren't the legitimate card holder and you aren't present as we discovered. Following a little incident and contact with their Indian Call Centre, you wont get to speak with an Australian, we discovered the cardholder details were changed the credit limit upped and the card cloned and shopping in Milan in the space of 24 hours. The people shopping in Milan or someone in their call centre then extracted $10,000 from our business account so they could go shopping again.
I had used their personal payments portal on their website to pay the monthly dues the first few times this was done I had to input all the data myself, Debit Account No, amount etc, the last time I paid the account the data was there already, they store your data and it appears it is open and accessible to all, it is certainly not secure. My partner now has a disputed $14,000 dollar debt hanging over her head. 28 Degrees are most unhelpful with this they will not communicate with us. They were super quick to give us back the $10,000 from the business account we suspect as they knew they were in the wrong. Be very careful with 28 Degrees and their card sign up for it at your own peril there are other options, Citibank has a card that can do all 28 Degrees can.

I dont have an email address, only these contact details;
Within Australia call 1300 552 079
When overseas call +61 3 9445 0189
Contact us on Skype1 (limited to voice calls only)
Contact us on Facebook
Contact us on Twitter

Fax 1300 369 905

I dont wish to be rude but "Good luck" with that one, you wont find an email address anywhere in fact other than using their Indian Call Centre "Dont" all calls to their 1300 number go through India, you may get stung, they are extremely difficult to contact. Our contact with them over a fraud we found them to be unwilling, evasive and unhelpful everything was directed to India. Good Luck. If you consider using snail mail they wont reply unless it involves a debt you owe them. We even wrote to their senior management about our matter and ares still awaiting a reply a month later. Nothing.

Paypass treated as credit (not cash advance) and grace period still applicable.
In most cases paypass allows to pay amounts even higher than $100 but PIN is requested in this case.
I don't remember when I used swipe or contact chip reader for payments last time.

Hi Kaylene,
The 95 cent fee is for, I'm told, third party payments. Basically you need to pay the card off through the 28 degrees website. You are prohibited from paying more than you owe, thus preloading your card for cash teller withdrawal when overseas and using it as a cashcard will cost you 95 cents for the privlidge. I queried this with their customer service department because Paypal and outward going Bpay are also known as third part but they somehow allow it. The card has lost its advantages and its new parent Latitude Finance unfairly put in a sneaky fee, Its a terrible insult when you are penalised for actually paying off your credit card. Its a fee that should never be allowed in Australia.

The 0.95c fee if you pay by Bpay is a processing/handling fee as you are using a 3rd party ie your bank or another bank. It used to be that you could pay it directly through your own institution, they took that away so you have to use their Bpay facility on their website or use their personal payment portal in the same location be careful here though if you use the persona payment portal, they store your personal banking data and it is not secure it can be compromised as we discovered to our detriment. Its just another sneaky practice to make money. They are not trustworthy.

Hi Kathy, I have had my card for a number of years now. I think it took around 7-10 days back then. Don't know about now. The customer support line takes ages to answer now, if that is any measure.

As far as I can see there is no app. I just google 28 degrees and go to the login page. I then save this to my home screen. You can look at your accounts online and I then just BPay the account when it is due ( in full).

There is no App. The website is also generally down approx. between around 11pm and 5am daily.

I would say all of them but we used ours for purchases. I have used it though to withdraw at but I cannot recall the names of the banks

Any bank should be ok...But major bank better as they got lot of ATMs

I have been charged anything for loading the card. They advise against it in their promotional material but not sure why. Maybe they just want people to accrue a debt and then pay interest. It has never been a problem for me

It is actually good idea to have it in positive as you will just pay the 3% or 4 dollar fee. I believe there is no other charge if in positive bit make sure always be in positive else they will charge you little higher when in debt

It was worth while doing this in the past before they started charging fees about two years ago for cash withdrawal. I believe it is still the best card to use as a credit card and we still use it when travelling, but we changed to the citibank plus debit card to load cash for cash withdrawals. It also offers no international exchange fees etc. This works well for us, we have had no problems. Many people did this swap when the 3% fee for cash withdrawals was introduced.