<path d="M47.2 26.7c-.5 0-.8-.4-.8-.8 0-5.9-2.3-11.5-6.5-15.7S30 3.7 24.1 3.7c-.5 0-.8-.4-.8-.8s.3-.9.8-.9C30.5 2 36.5 4.5 41 9s7 10.5 7 16.9c0 .5-.4.8-.8.8zM33.4 48c-6.5 0-14.5-4-21-10.4-4.8-4.8-8.3-10.4-9.7-15.8C1.2 16.2 2 11.5 5 8.6c1.9-1.9 5.8-2.7 6-2.7.5-.1 1 0 1.5.2.4.2.8.6 1 1.1l4.1 10.2c.2.5.2 1 .1 1.5s-.3.9-.7 1.3l-3 3c-.2.2-.3.3-.3.5s0 .4.1.6v.1s0 .1.1.1c2.8 4.9 6.9 8.9 11.8 11.7l.2.1c.1.1.3.1.5 0 .2 0 .4-.1.5-.3l3-3c.4-.4.8-.6 1.3-.7.5-.1 1-.1 1.4.1l10.3 4.1c.5.2.9.6 1.1 1 .2.4.3 1 .2 1.5 0 .2-.9 4.1-2.7 6-2 1.9-4.8 3-8.1 3zM6.1 9.7C3.6 12.2 3 16.3 4.3 21.3c1.4 5.1 4.7 10.5 9.3 15.1 6.1 6.1 13.7 9.9 19.8 9.9 2.8 0 5.2-.9 6.8-2.5 1.2-1.2 2-4.1 2.3-5.1 0-.1 0-.3-.1-.4l-.3-.3L32 34h-.5c-.2 0-.4.1-.5.3l-3 2.9c-.4.4-.8.6-1.4.7-.5.1-1.1.1-1.6-.2l-.2-.1-.1-.1c-5.1-2.9-9.4-7.2-12.4-12.4l-.1-.1c-.2-.6-.3-1.1-.2-1.6s.4-1 .8-1.4l3-3c.1-.1.2-.3.3-.5v-.6l-4-10.1c0-.1-.1-.2-.3-.3-.1-.1-.3-.1-.4-.1-1.1.3-4 1.1-5.3 2.3z"> 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? CALL 0800 119 100 Call +64 9 580 7399 (Overseas) <path d="M48.1 44.9 48 21.1c0-.7-.2-1.3-.5-1.9-.3-.6-.7-1.1-1.2-1.6l-4.8-3.8V9.7c-.1-.4-.4-.8-.8-.8h-5.9l-8-6.2c-1.1-.8-2.6-.8-3.7 0l-8 6.2H9.3c-.4 0-.8.4-.8.8v4.2l-4.8 3.7c-.5.4-.9.9-1.2 1.5-.3.7-.5 1.4-.5 2.1v23.7c0 .7.3 1.3.8 1.8.2.2.4.3.6.4.2.2.6.4 1.2.4h40.9c.7 0 1.1-.2 1.4-.4.2-.1.3-.2.4-.4.5-.5.7-1.1.8-1.8zm-44.5-.2V21.1l14.5 12.2L3.7 44.9h-.1v-.2zm42.8-23.5v23.7h-.1L32 33.3l14.4-12.1zm-22.3 9.2c.5-.4 1.3-.4 1.8 0L45 45.8H5l19.1-15.4zm21.2-11.6c.2.2.4.4.6.7l-4.4 3.7v-7.4l3.8 3zM24 3.9c.3-.2.6-.3.9-.3.3 0 .7.1.9.3l6.4 5H17.6l6.4-5zm15.9 6.6v14.1l-9.1 7.7-3.9-3.2c-1.1-.8-2.6-.8-3.7 0l-3.9 3.1-9.2-7.7v-14h29.8zM4.7 18.8l3.8-2.9v7.3l-4.4-3.7c.2-.3.4-.6.6-.7z"/> 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

<path d="M47.2 26.7c-.5 0-.8-.4-.8-.8 0-5.9-2.3-11.5-6.5-15.7S30 3.7 24.1 3.7c-.5 0-.8-.4-.8-.8s.3-.9.8-.9C30.5 2 36.5 4.5 41 9s7 10.5 7 16.9c0 .5-.4.8-.8.8zM33.4 48c-6.5 0-14.5-4-21-10.4-4.8-4.8-8.3-10.4-9.7-15.8C1.2 16.2 2 11.5 5 8.6c1.9-1.9 5.8-2.7 6-2.7.5-.1 1 0 1.5.2.4.2.8.6 1 1.1l4.1 10.2c.2.5.2 1 .1 1.5s-.3.9-.7 1.3l-3 3c-.2.2-.3.3-.3.5s0 .4.1.6v.1s0 .1.1.1c2.8 4.9 6.9 8.9 11.8 11.7l.2.1c.1.1.3.1.5 0 .2 0 .4-.1.5-.3l3-3c.4-.4.8-.6 1.3-.7.5-.1 1-.1 1.4.1l10.3 4.1c.5.2.9.6 1.1 1 .2.4.3 1 .2 1.5 0 .2-.9 4.1-2.7 6-2 1.9-4.8 3-8.1 3zM6.1 9.7C3.6 12.2 3 16.3 4.3 21.3c1.4 5.1 4.7 10.5 9.3 15.1 6.1 6.1 13.7 9.9 19.8 9.9 2.8 0 5.2-.9 6.8-2.5 1.2-1.2 2-4.1 2.3-5.1 0-.1 0-.3-.1-.4l-.3-.3L32 34h-.5c-.2 0-.4.1-.5.3l-3 2.9c-.4.4-.8.6-1.4.7-.5.1-1.1.1-1.6-.2l-.2-.1-.1-.1c-5.1-2.9-9.4-7.2-12.4-12.4l-.1-.1c-.2-.6-.3-1.1-.2-1.6s.4-1 .8-1.4l3-3c.1-.1.2-.3.3-.5v-.6l-4-10.1c0-.1-.1-.2-.3-.3-.1-.1-.3-.1-.4-.1-1.1.3-4 1.1-5.3 2.3z"> 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? CALL 0800 117 000 Call +64 9 525 8554 (Overseas) <path d="M48.1 44.9 48 21.1c0-.7-.2-1.3-.5-1.9-.3-.6-.7-1.1-1.2-1.6l-4.8-3.8V9.7c-.1-.4-.4-.8-.8-.8h-5.9l-8-6.2c-1.1-.8-2.6-.8-3.7 0l-8 6.2H9.3c-.4 0-.8.4-.8.8v4.2l-4.8 3.7c-.5.4-.9.9-1.2 1.5-.3.7-.5 1.4-.5 2.1v23.7c0 .7.3 1.3.8 1.8.2.2.4.3.6.4.2.2.6.4 1.2.4h40.9c.7 0 1.1-.2 1.4-.4.2-.1.3-.2.4-.4.5-.5.7-1.1.8-1.8zm-44.5-.2V21.1l14.5 12.2L3.7 44.9h-.1v-.2zm42.8-23.5v23.7h-.1L32 33.3l14.4-12.1zm-22.3 9.2c.5-.4 1.3-.4 1.8 0L45 45.8H5l19.1-15.4zm21.2-11.6c.2.2.4.4.6.7l-4.4 3.7v-7.4l3.8 3zM24 3.9c.3-.2.6-.3.9-.3.3 0 .7.1.9.3l6.4 5H17.6l6.4-5zm15.9 6.6v14.1l-9.1 7.7-3.9-3.2c-1.1-.8-2.6-.8-3.7 0l-3.9 3.1-9.2-7.7v-14h29.8zM4.7 18.8l3.8-2.9v7.3l-4.4-3.7c.2-.3.4-.6.6-.7z"/> 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

Help and Support

Why have I received an Overdue letter?

Please note this article applies to

Q Mastercard

, Q Card

An overdue letter is sent at each stage of the arrears process. If you have received an overdue letter it means that your payment has not been received on or before your due date for the total amount due.
If you have not yet made your monthly payment please do so immediately. If you are unable to make your payment please phone our Collections team on 0800 499 299, Monday-Friday 8.30am to 5.00pm to discuss your situation.

If you have made a payment to your account for the month please phone our Customer Service centre

Q MasterCard Holders: Contact us on 0800 119 100
Q Card Holders: Contact us on 0800 117 000

Need more help?

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.

Q Mastercard

Are you a Q Mastercard holder?

Call +64 9 580 7399 (Overseas)

Q Card

Are you a Q Card holder?

Call +64 9 525 8554 (Overseas)

Help and Support

Why have I received an Overdue letter?

Please note this article applies to

Q Mastercard

, Q Card

Need more help?

Call us

Write to us

Call us

Write to us

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Q Mastercard:

Q Card:

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Help and Support

Why have I received an Overdue letter?

Please note this article applies to

Q Mastercard

, Q Card

Need more help?

Call us

Write to us

Call us

Write to us

Quick Links

Help & Support

Things to know

Connect

Q Mastercard:

Q Card:

Are you a cardholder?
Please select the card you have:

Are you a cardholder?
Please select the card you have: