Anyone can apply for a humm90 Mastercard® as long as they are:

• 18+ years old
• Earn $25,000+ p.a.
• An Australian citizen or permanent resident of Australia
• Clear credit file

It is a period of time in which you do not have to pay any interest on your humm90 Mastercard purchase. This applies only to purchase where the offer is available, and not to other transactions. Interest is payable on any balance outstanding after the Interest Free Term at the Expired Promotional Rate applicable to your humm90 account and any other humm90 Mastercard transaction which does not have the benefit of the interest free offer.

There are two ways that you can make repayments to your humm90 Mastercard:

1. Setting up a Direct Debit payment from your nominated bank account via my humm90 or,
2. BPAY (Please note that there is a .95c payment handling fee)

The minimum payment for each statement period that you must pay is the greater of:

• 3.00% of the Eligible Unpaid Balance at the date of the statement; or
• $30.00. However, if the Eligible Unpaid Balance is less than $30.00, you must pay that amount in full.

You must also pay:

• overdue repayments plus the amount (if any) by which the Unpaid Balance exceeds your credit limit; and scheduled Instalment Repayments (if any) you have agreed with us at the times agreed with us.

Customers who pay out their account before the Interest Free period do not incur an early payment fee. It’s completely up to you if you want to pay the loan out sooner or later.

We genuinely want to hear suggestions for improvement and be given the opportunity to resolve any situations, confusions or complaints that may arise. If your complaint is not resolved by the Customer Service Team, refer your complaint to our Customer Relations Complaints Team by calling 1300 858 608 9am-5pm, Monday-Friday or emailing CustomerRelations.Complaints@Flexigroup.com.au

If you are unhappy with the resolution of your complaint by our Customer Relations Complaints team, the Australian Financial Complaints Authority (“AFCA”) helps individuals and small business customers resolve problems and disputes with their financial service provider, and its use is free for individual customers. AFCA can be contacted online at www.afca.org.au via telephone at 1800 931 678 or in writing through GPO Box 3, Melbourne, VIC 3001 (Australia.