- March 4, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Finding Information on Fees and Charges
I have been diligently searching through their website, Terms and Conditions, and FAQs in the hopes of finding answers to my questions. Unfortunately, I have come up empty-handed and could use some help.
## The Question at Hand
The query I have is fairly straightforward. I am aware that they apply account fees biannually, amounting to $27.50 every 6 months. The question that remains unanswered is the timing of these 6-monthly fees.
## Possible Scenarios
Is it:
(A) Immediately upon opening the account, resulting in two charges: a $55 establishment fee and a $27.50 account fee?;
(B) Upon activating your card;
(C) After your first transaction using GEM (i.e. if you open the account in February but start using it for purchases in March, will the account fees be charged from March onwards?)
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I opened my gem card in December. I have only been charged the establishment fee so far, so I think the first half yearly charge will be in June.
Our experience is the establishment fee gets charged straight away and then the first 6 month fee gets charged 6 months after that date.
So our card was opened in August 2022 and then we were charged the 6 month fee in early Feb 2023.
We’ve since paid it off and closed it.
It’s charged 6 monthly and in arrears. On opening the account you’ll get charged the establishment fee in your first statement and then the first $27.50 6 months after.