Question 1

Am I eligible to join?

Sarah Head · Accepted Answer

To find out if you’re eligible please complete the online opt-in process.

Question 2

Are there any conditions or exceptions to my cover?

Sarah Head · Accepted Answer

For all policy details refer to the terms and conditions here.

Question 3

Can I change my due date to another date?

Accepted Answer

Due dates are set up at the time the account is activated and cannot be altered.

Question 4

Can I change my insurance policy?

hetal jivanji · Accepted Answer

Insurance policies are offered “as is” and cannot be altered by the policy holder. The cover and terms specified in your policy may be amended from time to time by Consumer Insurance Services Limited. We will communicate details of any changes to your insurance policy before they occur.

Question 5

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

Accepted Answer

Statement dates are set up at the time the account is activated and cannot be altered.

Question 6

Can I choose my login details?

Accepted Answer

Use your email address as your Login ID, as it’s easy to remember. You can however choose any Login ID.

Question 7

Can I get a refund sent to someone else?

Accepted Answer

A refund can be actioned to someone else only in cases where the payment is sent back to the bank account from which it originated. In all other cases refunds are sent to the customer, who can then forward the funds to the appropriate parties.

Question 8

Can I have a copy of the Terms and Conditions?

Sarah Head · Accepted Answer

Our terms and conditions are issued to all Farmers Finance customers upon opening an account. They can be viewed here.

Question 9

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

Sarah Head · Accepted Answer

You can view our terms and conditions here or a handy overview of our fees and charges here.

Question 10

Can I have a pay off quote sent to my bank sent to my bank?

Accepted Answer

Pay Off Quotes can be emailed or faxed to a third party recipient at your request.  This is a free service.

Question 11

Can I have copies of my statements?

Sarah Head · Accepted Answer

If you have opted in to receive online statements, you can view and download up to 12 months of statements free of charge via My Account. If you are not opted in to receive online statements or require a copy of statements that are not available online, you can also receive reissued statements via email, fax or post. Note that a statement reissue fee of $7.50 for up to 5 statements, and $1 per statement thereafter, applies. To make a request, please get in touch with our team.

Question 12

Can I make a payment in-store at Farmers?

Accepted Answer

Yes. You can make payment via cash or EFTPOS in-store at Farmers. To ensure your payment is attributed to the correct account, please either have your Farmers Finance card or statement handy.

Question 13

Can I make payments via cheque?

Accepted Answer

Unfortunately, we no longer accept payment via cheque. We have continued to accept cheque for as long as possible. However, from 31 May 2021 our banking partner will stop processing cheques. This means we are sorry to say it is no longer possible for us to accept cheques for payments on your Farmers Finance Card. Click here to learn more about ways to make payment on your account.

Question 14

Can I pay my account at a Post Shop, on your website or at the bank?

Sarah Head · Accepted Answer

No. Click here for a full overview of our payment options.

Question 15

Can I receive my statements by email?

Sarah Head · Accepted Answer

Yes. Register under the ‘My Statements’ tab in My Account.

Question 16

Can I repay an amount before it appears on my statement?

Deepti Grover · Accepted Answer

This depends on whether you have an outstanding balance on your statement. If there is a balance already showing on your statement, then all payments made within that statement period will be applied to the statemented balance until paid in full. If there is no balance showing on your statement, the payment will be applied to any unstatemented transactions or fees.

Question 17

Can I spend over my credit limit?

Accepted Answer

Your credit limit is the maximum amount of credit available for you to use.  Purchases over your credit limit will be declined automatically at the point of sale. If this happens it is possible to pay a deposit for the amount of the purchase that is over your limit to allow the purchase to go through.

Question 18

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

Accepted Answer

Customers may be charged fees such as establishment fees, arrears fees, card replacement fees, and variation fees to cover the operational cost of providing services. All credit fees are supported by detailed costing justifications.

Question 19

Can you legally charge these fees?

Sarah Head · Accepted Answer

We have carefully reviewed all costs and losses that we have incurred as a result of customers not making the payment to us on due date. By adopting this approach no customer is charged more than what it has cost us as a result of their failure to pay on due date at any given point in the collection cycle.

The basis under which we set default fees is subject to regular internal and external review.

Question 20

Can you transfer my payments?

Sarah Head · Accepted Answer

Please contact us to have your payment transferred between accounts.

Question 21

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

Sarah Head · Accepted Answer

Yes, you need an email address to register for My Account.

Question 22

Do joint and additional cards earn points?

Accepted Answer

Yes they do. Once you have opted in to yourrewards every dollar that’s spent on your account, including joint and additional cardholders, earns one point.

Question 23

How can I avoid being charged interest?

Accepted Answer

If you pay the closing balance in full each month by the due date, you will not be charged interest.

Question 24

How can I close my account?

jenson.tang · Accepted Answer

If you wish to close your Account, you must ensure that all outstanding Purchases on Delayed Delivery, automatic payment and any other periodic and/or recurring debits on your Account are cancelled. You can request your Account be cancelled at any time by contacting us on 0800-10-11-70. You will need to obtain a final settlement figure to ensure your account is paid in full. The final settlement figure will include any unpaid interest calculated up to the last billing date. Please keep in mind your account must have a zero balance before we can close your account.

Question 25

How can I tell if I have overpaid my balance?

Accepted Answer

If your account is in credit a “-“ (minus) symbol will appear before the closing balance on your statement.

Question 26

How do I apply for a Farmers Finance Card?

Sarah Head · Accepted Answer

Unfortunately we no longer accept new Farmers Finance Card applications. However, the Farmers Finance Card team are excited to bring you the new and improved Farmers Mastercard. Click here to find out more.

Question 27

How do I authorise someone to access my account information?

Sarah Head · Accepted Answer

To authorise an individual to access information contained on your account please get in touch with our team to obtain an Authorised Person Form. Once you have completed and returned the form to us, the authorised person’s details will be recorded on your account, and will allow us to identify him or her on occasions when he or she contacts us regarding your account. Note that authorised persons can access information contained on your account but are unable to alter it.

Question 28

How do I cancel my Card Repayment Insurance?

Sarah Head · Accepted Answer

If you are cancelling your insurance within 30 days of it commencing cancellations can be done over the phone. Please phone Consumer Insurance Services Limited on 0800 855 333. If you are cancelling your insurance after 30 days of it commencing a cancellation form needs to be completed. Alternatively you can phone Consumer Insurance Services Limited on 0800 855 333 to have an insurance cancellation form sent out for you to complete and return.

Question 29

How do I cancel my card?

Sarah Head · Accepted Answer

We do not permit cards to be cancelled while the account remains open unless they have been damaged, stolen or lost. Before you consider closing your account we recommend reading about the benefits of Farmers Finance Card here.

Question 30

How do I cancel my Safeguard insurance?

Sarah Head · Accepted Answer

There is a 30 day cancellation period where we can cancel the insurance without charge.

If you cancel your insurance after 30 days of it commencing a pro-rata refund of the insurance premium will occur. This applies from the date the notification to cancel is received.

You can obtain an Insurance Cancellation Form her e. Alternatively you can phone Consumer Insurance Services Limited on 0800 855 333 to have an insurance cancellation form sent out for you to complete and return.

Question 31

How do I claim on Card Repayment Insurance?

Sarah Head · Accepted Answer

To lodge an insurance claim please complete this claim form and send it to: Consumer Insurance Services Limited Private Bag 94013 Manukau City Manukau 2241 For further enquiries please phone Consumer Insurance Services Limited on 0800 855 333

Question 32

How do I claim on Safeguard insurance?

Sarah Head · Accepted Answer

If you are a current SafeGuard policy holder and would like to make a claim, please download and complete the appropriate form below. Goods Cover- to claim for theft, accidental loss or damage please complete this form. Payment Protection - to claim for death, terminal illness, disability, or redundancy please complete this form. Please post this form to: Consumer Insurance Services Limited Private Bag 94013 Manukau City Manukau 2241 For further enquiries please phone Consumer Insurance Services Limited on 0800 855 333.

Question 33

How do I close my account?

Sarah Head · Accepted Answer

Please get in touch with our team to close your account. To close your account the balance must be repaid in full. If the account is joint then confirmation must be provided by both the Primary and Joint cardholders in order to close the account.

Question 34

How do I contact the Farmers Finance Card team?

Sarah Head · Accepted Answer

You can instantly access information about your account by logging into, or signing up for, My Account. Alternatively you can click here to contact our team. To phone our Customer Service centre from outside of New Zealand dial 0064 9 580 7200.

Question 35

How do I earn points?

Accepted Answer

Once you have opted in to yourrewards every dollar you spend on your account earns one point.  For every 2,500 points you collect, you’re eligible to redeem one $20 Farmers Gift Card.

Question 36

How do I find out my closing balance, balance owing and available credit?

Sarah Head · Accepted Answer

You can find this information on your statement, via My Account or by contacting our team.

Question 37

How do I get a pay off quote?

Sarah Head · Accepted Answer

A Pay Off Quote can be provided by contacting our team. You will be asked to provide the expected date of payment and the method by which the payment will be made. You will be advised of the exact Pay Off amount and the date to which the quote is valid. Pay Off Quotes are a free service and are non-obligatory.

Question 38

How do I get a refund?

Sarah Head · Accepted Answer

A refund can be performed when there is a credit balance on your account or in special circumstances, for example, when payments are made to your account in error. To request a refund please get in touch with us and have your bank account details ready.

Question 39

How do I get a variation done?

Sarah Head · Accepted Answer

If you would like to discuss a variation please phone our Collections team on 0800 588 188 or (09) 580 7270. If the arrears are paid and the account is brought back up to date the arrears process ends and fees stop being charged.

Question 40

How do I get set up for My Account?

Sarah Head · Accepted Answer

To register click here. You will need your Farmers Finance Card handy.

Question 41

How do I lodge a complaint?

Sarah Head · Accepted Answer

Click here to read how we handle complaints and how to lodge a complaint, should you need to.

Question 42

How do I login to My Account?

Sarah Head · Accepted Answer

To login, click here. You will need to enter your Login ID and password and click submit.

Question 43

How do I make a payment?

Sarah Head · Accepted Answer

Click here for a full overview of our payment options.

Question 44

How do I make payments from overseas?

Sarah Head · Accepted Answer

Customers must use the following details when paying from overseas:

Payee: RETAIL FINANCIAL SERVICES LTD

Account No: 01-0102-0108100-003

Bank: ANZ Bank Auckland branch

SWIFT Code: ANZBNZ22XXXnBSB: 01 1839

A SWIFT code is a bank to bank code. These are used for international payments (Telegraphic Transfers). It can take up to 5 working days for international payments to be processed. IMPORTANT: Use the correct reference information, otherwise will be unable to allocate the payment to your account.

Particulars: Surname & initials

Code: RFS PAYMENT

Reference: Your 8 or 12-digit RFS account number.

Question 45

How do I opt in and out from your mailing list?

Sarah Head · Accepted Answer

To subscribe or unsubscribe from the Farmers Finance Card mailing list please contact our team.

Question 46

How do I opt out of receiving promotional Farmers Finance Card emails?

Sarah Head · Accepted Answer

To opt out, get in touch with our team. Alternatively you can use the unsubscribe feature on any of the Farmers Finance Card emails you receive.

Question 47

How do I opt-in to receive promotional Farmers Finance Card emails?

Sarah Head · Accepted Answer

You can opt-in via My Account. Alternatively you can contact our team.

Question 48

How do I pay my fees?

Accepted Answer

Fees form a part of the normal card balance and can be paid as a part of your normal repayments.

Question 49

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

Sarah Head · Accepted Answer

Please get in touch with us to request a form to remove the Joint cardholder from the account. This must be completed and signed by both the Primary and Joint cardholders.

Question 50

How do I report vulnerabilities or security concerns to hummgroup?

Farmers Finance · Accepted Answer

Please report vulnerabilities or any security concerns as soon as possible so that we can review and improve the safety and reliability of our systems . To report a vulnerability, use the Submission Form on our hummgroup Responsible Disclosure Policy page.

Question 51

How do I shop without my card?

Sarah Head · Accepted Answer

To shop without your card you’ll need to provide some identification to the sales person, and we’ll need to speak to you over the phone. You can present any ONE of the following:

NZ Passport
Australian Passport
Current NZ Photo Drivers Licence (Version 5B must be supplied)
New NZ Licences
Foreign Passport with NZ permanent residency stamp
Firearms Licence
Q Card
New Zealand Police Force Photographic ID

If you do not have any of the above you’ll need to present any TWO of the following:

MasterCard
Visa Card
American Express Card
Diners Card
The Warehouse Card
Powerstore Card
GE Credit Line Card
Smiths City Card
18+ Card (Issued by NZ Post Only)
NZ Defence/Armed Forces Card

Question 52

How do I sign up for Card Repayment and/or SafeGuard Insurance?

Sarah Head · Accepted Answer

These policies are no longer being sold or existing policies renewed. If you hold an existing Repayment Insurance policy it will continue on its terms until expiry, and will not be renewed. Please see the IMPORTANT INFORMATION section regarding Your Policy cancellation on 1 July 2022.

Question 53

How do you disclose your fees?

Accepted Answer

During the application process all Farmers Finance Card customers receive a copy of our Terms and Conditions. This contains all Credit Fees relating to the Farmers Finance Card.  Any fees relating to additional services provided by Farmers Finance can be found in the Terms and Conditions of that service (i.e. Insurance).

Question 54

How is interest charged?

Accepted Answer

Interest accrues daily and is applied to your account monthly on the day that your statement is printed. Please note that if you pay the closing balance in full each month by the due date, you will not be charged interest.

Question 55

How is my Minimum Due calculated?

Sarah Head · Accepted Answer

Farmers Finance Card: Your minimum due each month is calculated as the greater of $10 or 3% of your card balance.

Farmers Finance Fixed Instalment: Your minimum due each month is the set monthly instalment amount as specified on the Fixed Instalment Contract.

Question 56

How many additional Cardholders can I have on my account?

Accepted Answer

There is no limit on the number of additional cardholders that you may have on your account.

Question 57

How much do I pay?

Sarah Head · Accepted Answer

Your monthly statement contains the Total Amount Due each month. This information can also be obtained by logging into My Account or by contacting our team.

Question 58

How much does Card Replacement Insurance cost and how often is Card Repayment Insurance charged?

Sarah Head · Accepted Answer

Insurance premiums are calculated at $0.89c per $100 of your closing balance each month where a payment is due. And only 63 cents for each $100 of your closing balance each month that is within a payment holiday period. So if you owe nothing then no premium is charged.

Premiums are charged monthly on your statement date. If you do not have an outstanding account balance you will not be charged a premium for the month.

Question 59

How much does it cost and how often am I charged?

Accepted Answer

You pay a six-monthly membership fee of just $15.

Question 60

How often is interest charged?

Accepted Answer

Interest accrues daily and is applied to your account monthly on your statement date.

Question 61

I didn’t receive my statement – what do I do?

Sarah Head · Accepted Answer

Statements are issued every month that there is activity on your account. If you have no purchase plans that are currently billing, and have made no purchases or payments since your last statement, a statement will not be generated. If you believe there has been activity on your account since your last statement please get in touch with our team to have your statement reissued.

Question 62

I have forgotten my Login ID or password.

Sarah Head · Accepted Answer

Click here and follow the instructions, you will need your Farmers Finance Card handy.

Question 63

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

Sarah Head · Accepted Answer

Yes. You can opt back into paper statements under the ‘My Statements’ tab in My Account. Good planets are hard to find. Please consider the environment before opting back in for paper statements. Please note there is a monthly fee for printed statements of 94c.

Question 64

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

Accepted Answer

Credits to your account which arise from returning a purchase made on your card are not classed as payments.  In order to retain an interest free facility you will need to make a payment for the full closing balance listed on your statement each month by the due date – even if you have returned goods after the statement date. Doing this will put your account into credit for the amount of the returned purchase. Credit balances can be refunded, or you can simply leave it on your card to pay toward your next purchase.

Search Results for: MCD-Level-1 Reliable Dumps Sheet 🥙 Latest MCD-Level-1 Exam Price 🆎 New MCD-Level-1 Exam Guide 🐎 Easily obtain free download of ➡ MCD-Level-1 ️⬅️ by searching on ▷ www.pdfvce.com ◁ 🤙New MCD-Level-1 Exam Guide

FAQ

Privacy Policy

Terms and conditions

Privacy Policy

55 days interest free

Your Safety and Security

Website Terms of Use

Ways to pay

Can I have copies of my statements?

Customer Notice