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ING Orange One (page 2 of 2)
Pros
No Annual Fee
Set up instalment payments for a reduced rate
Accessible $1,000 minimum credit limit
Cons
"No International Transaction Fee" is conditional
BrettShGreater Melbourne (Outer), VIC
- 6 reviews
- 10 likes
- Verified customer
No Logic, No Explanation Just Rejection
If you are thinking of moving to ING, do not close down your old credit card before getting approval for a new one from ING.
My wife & I are in the process of moving from Commbank to ING. Have setup accounts changed salary payments across etc. Applied for a card with a 2K limit. ING's response:
"We can't offer you an Orange One right now as you haven't met our credit criteria. If your circumstances change we'll be happy to consider a future credit application."
While a credit card is basically as unsecured loan & not a human right, I am annoyed for the following reasons:
We'll never know if our "circumstances" have changed because ING did not specify why we were rejected.
...Read more
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Elliot F.Sydney, NSW
Not rewarding loyalty
Been an ING customer for over 10 years and have a home loan with them for three years now. Never missed a single payment and savings & salary well exceeding minimum requirements though was instantly rejected. What more can they possibly want?
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porcelina25QLD, 4503
- 18 reviews
- Verified customer
Wth?
I have used ING for years now with my savings accounts and insurance as well as my Super. I applied for a credit card only to be denied right away. :/
I honestly don't see how. I have savings enough to cover the amount I requested which was 2k and I only wanted the card for a trip I am planning overseas in May this year. I wanted a back up card and have no intention to use it unless necessary. I wanted it as they have no annual fee and no international transaction fees. Plus as a loyal customer I thought go with ING.
I am in the best financia...Read more
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Find out how ING Orange One compares to other Low Rate Credit Cards
Know better, choose better.
AntonMelbourne
- 47 reviews
Terrible product with plenty of "gotchas" unknown among any other credit cards
As others have said, this terrible product is basically a waste of plastic. I have not had so much trouble with anything I have ever used compared to this card. This should really be discontinued while ING start again from scratch before they lose customers.
Good: No annual fee and no transnational fees if meet their "criteria". Website states that "The Orange One apply form is taking a break" (2018-04-10) so perhaps they have dumped the product and saves 1000's the misery.
Bad: 1)) Cash Advances are only available to 10% of the limit. 2)...Read more
) You cannot put the card into credit. 3)) High minimum repayments ($100 monthly). 4)) Part-payments don't count towards the DD repayments. 5)) Aggressively chases the DD funds if you don't pay on time. 6)) Still chases DD payments after the late fee charged. 7)) Card MUST have a DD (direct debit account) linked for payments. 8)) The "installments" are complex and hard to manage. 9)) Card PIN can only be 4 digits. 10)) Paywave can't be turned off. 11)) Debits and credits sit on the card as "pending" for days (week) and you can't pay them until finalised. 12)) Only average interest rate. 13)) Website misleading about the restrictions. 14)) Terms And Conditions are "copy locked" and poorly worded and not explanatory. So bad in fact they even admitted defeat when I mentioned some errors and are changing the entire terms. Escalated to FOS. 15)) The first application broke, it still sits in my internet banking to this day asking for supporting documents. 16)) I broke my fave scissors while mutilating this card into confetti after I closed it. Got a ME bank card and am delighted with it. Works like it should exactly how I expect one to work.Similar opinion? Write a review on ieatwords.com.au!
AMBMelbourne
Good but VERY restrictive repayment options
Overall i am quite happy with this credit card. The fees and cashback are good features. However, there is one MAJOR limitation. You are unable make a payment at any time which would put the card in surplus. So if the current balance is minus 200 dollars it will not let you pay 201 dollars, or any amount over 200. This is a real problem for three reasons: 1) You are unable to keep the card in surplus at any time so as to keep any interest payments down or to plan for a holiday where you know you will be using the card a lot; 2) Even if the avai...Read more
lable balance means the card is in deficit by a thousand dollars or so you are not even able to make a payment which exceeds the current balance (which reflects pending charges that can take a numbers of days to be processed); 3) If you have an automatic payment plan set up and the amount you are scheduled to pay each month or whatever will mean your card goes into surplus (even by 1 dollar!) your payment does not go through and THE BANK DOES NOT EVEN NOTIFY YOU OF THIS. You have to figure it out for yourself. The result is having to keep a constant eye on various balances and then ensuring payment have been made on time manually to avoid fees, interest etc. Banks like ING are paid fees to make managing your money easier, not harder. I consider this a MAJOR limitation of the card. I have never had a credit card that does not allow you to pay over the credit limit and the end result is paying more interest and making managing your finances harder. This is very much at odds with ING advertising this as a 'responsible credit card.' I would have stuck with my old credit card had i known this.Similar opinion? Write a review on ieatwords.com.au!
MartinMelbourne
- 6 reviews
- 24 likes
Worst Credit Card ever
ING have just introduced there version of a credit card. As their standard procedure they offer the world to get you interested. But after you have bent over backwards to satisfy there requirements they deliver nothing they promised. You can not even pay a bill using BPay even though this is a Bank that has no branches due to the fact they claim they are not necessary with new technology. My advice is avoid ING as they will promise you rewards, low interest, ect but once they have you they take it all back and deliver nothing.
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