Gem Reviews 

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

Dont recommend gem visa when u try cancel your card they blow ur phone up with calls and too much interest on it and for a missed payment and i was about to pay it off and cancel my gem visa they put me in dept and gave me 5 years of bad credit

Worst experience ever dealing with gem visa nz. Dont expect any help from the various methods of communication because you won't get it. All I have been trying to do since February is change my surname and get a replacement card.

This company spreads out the payments but doesn't calculate payment to ensure a transaction is paid off before the 30 month, 60 month interest free plan expires ensuring you pay maximum interest at 30%. The call centre is rubbish. Anything you explain or request is not guaranteed to occur!! There is nothing in writing to confirm what you have agreed upon over the phone. I was waiting for the call centre who then put me on hold 3 times (likely hung up on me instead of listening to my request regarding payments). It sounded like the call taker was at home doing their dishes.

Absolutely shocking experience. We ended up cancelling our application and went elsewhere. Dealing with a call centre in India was just a nightmare. My advice would be to stay away from this company.

VERY BAD COMPANY, STAY AWAY DONT GET ANYTHING FROM THEM SCAM

I recently applied for a Visa card through Gem Visa Plus, and my experience has been nothing short of appalling and infuriating. I feel compelled to share my concerns as I believe they reflect serious issues within the company's operations, particularly around discrimination and a complete lack of communication.
When I submitted my application, I was assured that the process would be efficient and transparent. Unfortunately, the reality has proven to be starkly different. I was promised that I would receive updates regarding my application status, but instead, I have faced silence and a complete lack of initiative from the company. As someone who is disabled due to my military service, my income is a direct result of that, and it feels as though Gem Visa Plus is discriminating against me based on where my income comes from. It’s deeply troubling to feel that my financial situation, which is already a result of my hardships, is being dismissed.
This leads me to further concerns about what I perceive as indirect hate crimes being committed against me. The lack of recognition of my income source feels like a biased view, suggesting that my financial contributions are invalid and worthless merely because my information is documented in Australia. This not only adds an additional layer of distress but highlights a desperate need for sensitivity and awareness when it comes to clients with different backgrounds.
Moreover, it is important to point out that under the Credit Contracts and Consumer Finance Act 2003, they are required to communicate with clients and/or customers in a timely manner regarding their inquiries, complaints, and updates. This includes the acknowledgment of electronic communications sent to your company. So far, they have blatantly breached these conditions, leaving me feeling unheard and diminished.
The repeated need for me to reach out to their customer service has been exhausting and far from what one would expect from a reputable financial institution. Each time I call, I am met with vague answers and a disturbing lack of accountability, as if my application disappeared into a void and no one at Gem Visa Plus is willing to take responsibility.
If you are contemplating applying for a visa card with Gem Visa Plus, I strongly urge you to rethink your decision. Not only is their communication abysmal, but the discriminatory practices I have encountered are wholly unacceptable. The assurances I was given during the application process have proven hollow, leaving me feeling disregarded and unvalued.
In conclusion, I implore Gem Visa Plus to re-evaluate their approach to customer service and their understanding of various clients’ circumstances. The way they have treated me as a prospective client is shockingly poor and may discourage others from seeking financial assistance through their services. For those in need of a loan, I recommend exploring other options, as my experience has shown that Gem Visa Plus cannot provide the understanding or support that is necessary for individuals with disabilities or unique financial backgrounds.

My card expired in December. I was aware, but not worried because banks usually send a replacement at least a month before the expire date, so I forgot about it. I just remembered because I went to use the card and obviously was declined. I called them on the 21st of January, and they said a new one was sent in November, but I never received it. I asked them to use the opportunity to exchange my surname before issuing the new card as the never-received-one had to be cancelled anyway. I provided all documents and he guaranteed that the name would be done in 24 hours, and the new card would be sent within 3 working days. He asked me to wait until Friday (24th) and call just to confirm. I called on Saturday, 25th, just to learn that my name hasn't been changed, nor a new card had been even requested to be issued. I had to send the documents FIVE times and to this day, I have no solution to my problem. I mean, I NEVER, EVER delayed a payment, which I think if I had, the penalty fee would be promptly charged, but to sort out a matter this simple, it has been over a week, and nothing.

I have been dealing with Gem finance for 5 years until this year they have been professional and poorly responsive, my experience with Gem has been unprofessional, poor customer service,not client centric, difficult to understand, borderline rude, dogs, adults and children talking in the background, they do not honour what their website advertises with the rates, they do not honour or activate their offers of top up loans and yet will wait until a loan is paid off then are fast to offer as much loan as they can with the highest interest rate possible, not taking any change in circumstances into account or being client centric. Management then investigated the result but clearly has no real power or change in stance,so this company is another loan shark company with no integrity or professionalism, very disappointing after 5 years of dealing with Gem and at times having positive well managed customer focused experiences. Do not use this company they are not worth the time or energy needed to seek financial support.

They need shutting down!!!
I wish I could stop people using this company! I've recently paid off my Gem card and closed my account. This happened because I was getting interest charges amongst other charges EVERY single day, even though I wasn't using the card. Gem call centre have the nastiest operators who refuse to listen or help you. When I queried all the charges, they just kept saying I was using the card daily, this was absolute crap, I hadn't used it in months! Three different operators told me what the payout sum would be and guess what, each one was different! Then I was owed a refund, god help me. Two different operators, two different amounts to be refunded! They tried to tell me I'd receive two further statements after closing the account, I threatened them with taking legal action if they tried. They have got to be the most incompetent bunch of c*ckwombles, and the worst for ripping people off! Don't ever use Gem Visa, you'll regret it!!

Absolutely disgusting service, my dad made a payment by accident to them as they no longer have a Gem card, he suffers with dementia, we rung 3 days ago given a ref number and told to ring back 3 days later to enable them to find payment, today I ring them back, the man wouldn’t let me speak to manager and he hung up on me. I will ensure all the businesses I work with and people I know that GEM finance is the worst company to deal with thank goodness I have never used them and I will ensure this company comes to a close in the future.

The woman on the phone missed two separate incomes I receive each week, $380 and $90. I asked to speak to another team member as she doesn't understand my pdf file with the summary of my income. I asked her, "can't you see my bank account is always in credit by over a thousand, each week?" She said, "I can't see what your talking about?" I said, "it's right there, you can't miss it!" No idea! Why is she working in finance when she can't understand a simple bank statement? What in the world... completely incompetent! Uneducated! Useless! Waste of my time. My score has been damaged for nothing. This is very upsetting. I've filled a complaint on their website.

If there was an option to have no stars that’s what I would do. Absolute morons, can you believe the worker started yelling at me?? Absolute incompetent morons. Don’t waste your time here.

Hahaha! I have/had a perfect credit history (paid off and closed account a year ago) with GEM VISA. Recently, I thought I would buy something else with one of their interest-free deals - Better than paying a lump sum. So after sending in official documents for proof of income, as requested, etc .. .. I get a phone call from a call center that is not down the road New Zealand. In fact, it's a Filipino call center with Phoney Filipino Operators with their Fake American accents (they sound ridiculous) asking for even more personal information. OMG what have I done? I started thinking about privacy and sharing my personal information with an overseas call center trained to be something they are not, and decided, you know what? A 36 Months interest free whatever, isn't worth it with GEM OMG too much BS. Maybe Mastercard are more reasonable and straight foward?

Horrific service

Absolutely terrible service, totally incompetent. I will never use this company again. For all companies who use GEM Finance to support your customers....I suggest you change to a finance company that cares about your customers as much as you do. GEM is terrible.