Account Information Go back to top Print this section

• Balance Owing   

  • How do I find my balance? 

  • What is the balance owing on my account? 
• Available Credit   

  • How much available credit is on my card? 

  • How do I increase my available credit? 

  • What is my available balance? 

  • What is my available credit? 
• Pay Off Quote   

  • How do I get a pay off quote? 

  • Can I have this sent to my bank? 

  • Why is my pay off quote different to my account balance? 
• Applying for a card   

  • How do I apply for a Farmers Finance Card? 

Account Maintenance Go back to top Print this section

• Close Account   

  • How do I close my account? 

  • What if I want to reopen it later? 
• Personal details   

  • My name has changed – how do I update this on my account? 

  • My contact information has changed – how do I update this? 

  • How do I change my address? 

  • The name on my account is incorrect - how do I update this? 

  • The date of birth on my account is incorrect – how do I update this? 

  • How do I authorise someone to access my account information? 
• Reactivate closed account   

  • I closed my account but now I want to reopen it. How do I do this? 

  • I haven’t used my account in years. Is it still open? 

  • My account expired. How do I reactivate it? 
• Credit balance   

  • What do I do if my account is in credit? 

  • How can I tell if my account is in credit? 
• Refunds   

  • How do I get a refund? 

  • Can I get a refund sent to someone else? 

Account Ownership Go back to top Print this section

• Joint Cardholder   

  • Can I add my partner or spouse to my account? 

  • How do I get a joint account? 

  • How do I get an additional card sent? 

  • How many additional Cardholders can I have on my account? 

  • What can an additional cardholder do? 

  • What can a joint cardholder do? 

  • How do I remove the joint account holder from my account? 

  • Can I add someone to my account? 

  • How do I remove an additional cardholder from my account? 
• Change of ownership   

  • Can I give my account to someone else? 
• Change of name   

  • My name has changed – how do I update this on my account? 

Card information Go back to top Print this section

• Additional Cardholder   

  • How do I get an additional card sent? 

  • Can I add someone to my account? 

  • Can I add my husband/wife to the account? 

  • How do I get a joint account? 
• Lost / Stolen card   

  • My card has been stolen, how do I get a new one? 

  • Can I get a new card? 

  • My card is lost, I want a new one. 

  • My card is damaged, I want a new one. 
• Card not working / Declined card   

  • Why can’t I use my card? 
• Cancel card   

  • How do I close my account? 

  • How do I cancel my card? 
• Reopening an account   

  • How do I reopen my account? 

  • How do I reactivate my card? 
• Shopping without card   

  • Do I need ID to shop without my card? 

  • Can I make purchases online? 

  • How do I shop without my card? 

  • Where can I shop without my card? 

  • Can I make purchases by phone? 
• Expired card   

  • When will my card expire? 
• Credit limits   

  • Can I spend over my credit limit? 

  • Why is my balance over my credit limit? 

Collections Go back to top Print this section

• Variations   

  • What is a variation? 

  • Is there a cost for performing a variation? 

  • How do I get a variation done? 
• Payment arrangements   

  • Is there a cost for making a payment arrangement? 

  • What is a payment arrangement? 

  • How do I make a payment arrangement? 
• Arrears process   

  • What happens if my payment is less than the minimum amount due? 

  • What do I do if I am going through some financial hardship? 

  • What happens if I miss my due date? 

  • Why have I received an Overdue letter? 

Fees Go back to top Print this section

• Card Reissue Fee   

  • How much is the card reissue fee? 

  • Are there any exceptions to the card reissue fee? 

  • What is this card reissue fee for? 
• Statement Reissue Fee   

  • How much is the statement reissue fee? 

  • Are there any exceptions to the statement reissue fee? 
• Farmers Fixed Instalment Agreement Establishment Fee   

  • What is this Establishment fee for? 

  • When is this Establishment fee charged? 
• Farmers Finance Card   

  • Why have I been charged a $7 Additional Card fee? 

  • Why have I been charged a Statement Reissue fee? 

  • Why have I been charged a $10 Card Replacement fee? 
• Arrears Fees / Default Fees   

  • What are “arrears fee stages”? 

  • Why have I been charged a $15.00 Variation fee? 

  • Can you legally charge these fees? 

  • Why have I been charged a $15.00 Payment Arrangement fee? 

  • Is this an income gathering exercise? 

  • How much is each arrears fee? 

  • When are these fees charged? 

  • Why have I been charged a $15.00 Arrears fee? 
• Account Fees   

  • Can you justify how your company worked out the cost of your fees? 

  • How do I pay my fees? 

  • Can I have a list of all the fees you charge? 

  • How do you disclose your fees? 

  • What are the fees? 

General Go back to top Print this section

• General questions   

  • What is your turnaround time for responding to letters? 

  • What is your turnaround time for email responses? 

  • Can my spouse/relative use my card? 

  • What are your hours? 

  • Can I get cash out? 

  • If I’m calling from overseas what phone number do I dial?  

  • Can I have a copy of the Terms and Conditions? 

  • What are acceptable forms of ID when applying for a Farmers Finance Card? 
• Contact Us   

  • How do I contact you? 

  • How do I lodge a complaint? 

Insurance Go back to top Print this section

• Cover   

  • Why should I have insurance? 

  • What does Safeguard insurance cover me for? 

  • What does Card Repayment Insurance cover me for? 

  • Are there any conditions or exceptions to my cover? 
• Cancel policy   

  • How do I cancel my Card Repayment Insurance? 

  • How do I cancel my Safeguard insurance? 
• Open Policy   

  • How do I take out Card Repayment Insurance? 

  • How do I take out Safeguard insurance? 

  • Can I change my insurance policy? 
• Premiums / Charges   

  • Is Card Repayment Insurance charged as a % or a flat rate? 

  • How often is Card Repayment Insurance charged? 

  • How much is Card Repayment Insurance? 
• Claims   

  • How do I claim on Card Repayment Insurance? 

  • How do I claim on Safeguard insurance? 

Interest Go back to top Print this section

• Interest rates   

  • What is your interest rate? 
• Interest charges   

  • How can I avoid being charged interest? 

  • How is interest charged? 

  • How often is interest charged? 

  • I returned a purchase on my Farmers Finance Card but I have been charged interest. Why? 

  • How has my interest been calculated? 

  • Why have I been charged interest? 

Limit Decreases Go back to top Print this section

• Flexi Cards Initiated   

  • Why has my credit limit been reduced? 
• Customer initiated   

  • How do I decrease my credit limit? 

Limit Increase Go back to top Print this section

• Customer initiated   

  • How do I apply for a limit increase? 
• Flexi Cards Initiated   

My Account Go back to top Print this section

• Logon & Passwords   

  • How do I login to My Account? 

  • Can I choose my login details?  

  • I have forgotten my Login ID 

  • I have forgotten my password 
• Login problems   

  • I’m locked out of My Account - what should I do? 

  • Why is the date of birth not accepting when I am typing it in? 

  • How do I unlock My Account? 
• Getting started   

  • How do I get set up for My Account 

  • Who can register for My Account? 

  • Can I register for My Account if I am on a Fixed Instalment Agreement only? 

  • Why should I register for My Account? 

  • Do I need to register for My Account? 

  • Do I need an email address to register for My Account? 

  • Is there an extra charge to use My Account? 
• Using my Account   

  • Can I redeem my yourrewards points in My Account? 

  • Can I report a card lost or stolen on My Account? 

  • Can I update my contact details on My Account? 

  • Can I request a change to my credit limit in My Account? 

  • What can I do in My Account ? 

  • Can I view my Farmers Finance Card transactions and payments in My Account? 

Payments Go back to top Print this section

• Payment allocation   

  • Can you transfer my payments? 
• Payment methods / options   

  • Can I pay my account at a Post Shop? 

  • Where can I make over the counter payments? 

  • Can I make credit card payments on your website? 

  • Can I pay at your bank? 

  • How do I pay? 

  • Why can’t I pay over the phone with my Visa or MasterCard? 

  • How do I make payments from overseas? 
• Payment due date   

  • What happens if I pay after my due date? 

  • What happens if I pay before my due date? 

  • Can I change my due date to another date? 

  • What happens if I miss a payment? 
• Bank Account details   

  • What is your bank account number? 
• Minimum payment due   

  • How much do I pay? 
• Missing payments   

  • Why has my payment not been applied to my account? 

  • Why did my payment go on my Farmers Finance Card not my Fixed Instalment? 

  • What reference number do I use on payments? 

Promotions Go back to top Print this section

• Opt in / out promotion   

  • How do I opt in for promotional mail? 

  • How do I stop promotional mail? 
• Cardholder Days   

  • What deals will there be? 
• Farmers catalogue   

  • Where can I view the Farmers catalogue? 

  • Can I get the Farmers catalogue emailed to me? 
• Email promotions   

  • How do I opt out of the Farmers Finance Email Club? 

  • How do I opt in to the Farmers Finance Email Club? 

  • Is there a cost? 

  • How often are emails sent? 

  • What is the Farmers Email Club? 

  • How do I opt in to the Farmers eClub?  
• Direct mailouts   

  • How do I opt out from your mailing list? 

  • Why haven’t I been receiving promotional mail? 

  • How do I opt in to your mailing list? 

Shopping Go back to top Print this section

• Store locator   

  • What are the latest new stores? 

  • Can I be notified by email each time new stores are added? 

  • Where can I use my Farmers Finance Card? 

Statements Go back to top Print this section

• Statement figures   

  • I didn’t make those purchases on my card? 

  • I didn’t make those payments on my account? 
• Statement date   

  • Can I change the date on which my statements are sent? 
• Missing statements   

  • I didn’t receive my statement – what do I do? 
• Reading statements   

  • How is my Minimum Due calculated? 

  • Why is my recent purchase not on my statement? 

  • My statement looks different. What has changed? 
• Replacement statements   

  • Can I have copies of my statements? 
• Online Statements   

  • Can I receive my statements by email? 

  • I receive my statements by email. Can I opt back in for paper statements? 

  • Why have I not received my statement in the post?  

Yourrewards Go back to top Print this section

• What is it?   

  • How do I join? 

  • What is yourrewards? 

  • Am I eligible to join? 

  • What happens if I opt out? 
• Membership Fee   

  • How much does it cost? 

  • How often am I charged? 

  • Is there a fee for each card on my account? 

  • Do I have to pay for yourrewards? 
• Earning points   

  • Do joint and additional cards earn points? 

  • How do I earn points? 

  • What is the ratio of dollars spent to points earned? 
• Redeeming points   

  • How do I redeem my yourrewards points online? 

  • What can I redeem my points for?