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## Situation with St George Credit Card Debt

I had approximately $4000 in debt on my St George credit card. Unfortunately, St George decided to cancel my account, possibly due to missed payments.

I have been making monthly payments of $100 without much clarity on my remaining balance. When I reached out to request statements, I was informed that they were unable to send them overseas, where I currently reside. Furthermore, they mentioned that they could not reinstate my Internet banking access since the card had been cancelled.

With my account inaccessible and no way to track my payments and balance, I am left wondering about the status of my debt. It is crucial for me to have proper documentation to understand the situation and plan for repayment.

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The AI Legalese Decoder can assist in translating and simplifying complex legal terms and policies related to credit card debt and account closures. It can decode the language used in the terms and conditions of St George credit cards, providing clear explanations of rights and obligations. Additionally, it can generate templates for requesting statements and documentation from overseas, ensuring that necessary paperwork is obtained for understanding and resolving the debt situation.

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View Reference


  • marindo

    Have you tried calling St. George and escalating the issue?

    It’s usually pretty straight forward to prove your identity. Surely you’d have some bank information?

    Such as your BSB and Account No? if you don’t have those, it’s going to be very difficult to identify you period…

  • Critical-Parfait1924

    They’ll sell it to a debt collector for cheap. You can negotiate with the collector to reduce the amount in exchange for full payment of debt, or negotiate full payment for them removing it from your credit score, or enter into a repayment agreement with them. There’s normally a limit of 6yrs on the debt, unless certain actions are taken.

    The bank may also offer you a discounted rate to pay off the amount in full, unless it’s already been sold.

  • asphodeliac

    Why are you $4k in debt and only paying off $100 a month

  • Tushdish

    You need to call the financial assistance team. They will be able to tell you the balance. They will also be able to set up the payment of the debt. If you miss a payment they will contact you. The will also contact you every 12 months to see of you can pay more. The max time to pay off the debt is 7 years. If they have cancelled the card you can ask them for a 0 % interest period.

  • Vivid_Trainer7370

    Why do you suddenly want the infomation though? seems like they don’t care about it.

  • cavok76

    Maybe the approximate balance is listed on the credit report?

  • Nosywhome

    Get a copy of your credit file. Try equifax first. Can do online.
    Should be able to see who now owns the debt, which will be a debt collector. Then contact them.

    Alternatively, ask St George if they can send you the ‘notice of assignment of debt’ letter.
    St George would have sold debt off. If they had a correct address, you would have received the notification the debt was being sold and to who. The new owner of debt would also have contacted you to let you know.

    St George won’t be able to access your statements. So you will have to see what you can get off the debt collector.
    Make sure the money you paid has been transferred to them by St George.

    Be prepared to owe more than you think because of the interest charges that have accrued; which would be the internet rate St George were charging before they cancelled the card.

  • CM375508

    Submit a complaint, get the complaint number then file with [AFCA](

    The government breathing down their neck makes banks move quickly.

  • Spicey_Cough2019

    Man OP is playing the victim
    You have a debt
    It’s on you to pay it off not the banks

    The statements are emailed every quarter

  • Wow_youre_tall

    Lesson for all the kids out there. Being stupid can be costly.

  • Mattahattaa

    You should have a final statement when it’s cancelled/closed

  • 82boost

    100% it’s been sold off to a debt collector. I had a similar issue with st George years and years ago. Went into the branch to pay my loan (this was way before internet banking) and they said the account was closed. Couldn’t get any info and then a few weeks later I had a letter from a debt collector wanting the whole amount in full. Maybe see if you can speak to someone in collections?

  • nobody-to-nowhere

    I’m with St George. They have canceled my card twice now with no warning because of “suspicious activity”. Their algorithm picks up anomalous transactions and they cancel the card. Then ring up at 3am to tell you they’ve done it.

    If you had no notice of cancellation and you have been making payments, then that might be what happened.

    If that’s the case they will send a replacement card. It has a different number, but they will transfer over all the statements and debt.

    Also, you probably do still have access to internet banking. You just can’t use your cancelled card number to access it. Do you know your Customer Access Number? It’s a number St George assigns you that doesn’t change when card and account numbers change. You can use it to log into internet banking.

    If you don’t know the Customer Access Number, you can call them up, convince them of your identity, and they will tell it to you.

  • bolt0smart

    You need to call them back and open a regular complete freedom account. It won’t cost you anything. Once they finish opening it up for you ask them to set you up with internet banking. Once you get through and have logged in ask them to send through the credit card statements to your online banking. I used to work there.

  • floppybunny86

    OP, you would have either had statements emailed, or posted to you. You could also have easily accessed them online.

    If you have not been paying the minimum amount due each month, then you would likely have gone into arrears, and the debt has probably been sold to a debt collector.

    They don’t own the debt, so they can longer give you any information about what you owe.

  • Linwechan

    I’m surprised it got that far. St George uses robo debt reminders that hound you if you’re late. I once accidentally underpaid by $22 early on and they kept calling me every few hours during work hours with these robot calls before I picked up after work. Absolutely awful. Doesn’t happen with other banks.

  • cakeofzerg

    Lmao same thing happened to me 10 years ago, had a balance of 900 or something I was paying off 20 a month and they just closed the account no more payments required. St George as well, no idea why.

  • Unstoppable1994

    If the debt isn’t paid it’ll be sent to debt collectors which will obviously be impossible for them to chase you. However if you do come back to Australia you’ll unlikely be able to leave until the debt is paid and your credit score will be 0 so if you do come back and want to rent or get a loan or anything like that then you’ll be stuffed.

    Pay your debts.

  • Nuclearthrowaway99

    Best bet is probably to head into a branch with 100 points of ID so they can look you up after positively ID’ing you.

  • Scared-Insurance-834

    You spent 4k and had no intention in paying the went overseas?!

  • Iconicshitposter

    You need some financial literacy, mate. I highly recommend the Bare Foot Investor. It’s a good place to start for simpletons.