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Q Card – Can I spend over my credit limit?

Please note this article applies to

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.

Need more help?

Contact us
If you’ve got any queries or issues with your card, or your card has been lost or stolen, you can get in touch with us by phone, email, or mail. See below for all of our contact information.

Call us

You can contact our call centre during the following times:

Monday – Friday: 9am – 6pm      Sundays: closed

*Public Holiday, Friday 29 March: Closed*

Are you a Q Mastercard holder?

Write to us

If you would prefer to contact us in writing, then please send your correspondence to the following address:

Q Mastercard:
Columbus Financial Services Ltd
Private Bag 94013
Auckland 2241

Call us

You can contact our call centre during the following times:

Monday – Saturday: 9am – 6pm    Sunday: closed

*Public Holiday, Friday 29 March: Closed*

Are you a Q Card holder?

Write to us

If you would prefer to contact us in writing, then please send your correspondence to the following address:

Q Card:
Consumer Finance Ltd
Private Bag 94013
Auckland 2241