Help and Support

Why have I been charged interest?

Please note this article applies to

Interest accrues on the unpaid owing balance of all transactions on the account that are interest-bearing. Interest is calculated daily on an annual basis (365 days per year).

Interest is applied on the statement date and forms part of the closing balance for payment on your next due date.

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

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
– Dispute Resolution Team
Private Bag 94013
Auckland 2241

Call us

You can contact our call centre during the following times:

Monday – Saturday: 9am – 6pm    Sunday: 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
– Dispute Resolution Team
Private Bag 94013
Auckland 2241