Partner Toolkit

Welcome to the Gem Credit Cards Partner Toolkit

Overview

Welcome to the Gem Credit Cards Partner Toolkit, a site designed to give you all the tools you need to successfully promote these products to your customers.

You can:

  • Download Gem assets to integrate into your advertising and promotional material.
  • Access online training modules perfect for any new starters or to upskill your Gem product knowledge.

Gem Visa/ Gem CreditLine's Advertising Guidelines for Participating Retailers in NZ

Please refer to the following guidelines to ensure that you are compliant with advertising Latitude Financial Services in your advertising materials.
The key purpose of using these assets are to inform your customers that:

  • Gem Visa and Gem CreditLine are accepted in store;
  • They could access long term interest deals available in store by applying for a Gem Visa credit card; and
  • Gem Visa and Gem CreditLine is a credit facility provided by Latitude Financial Services Limited.

When advertising goods or services using any of our Gem assets:

  • Ensure that you comply with the Fair Trading Act and any other relevant legislation;
  • Ensure that you comply with all relevant advertising standards as set out by the Commerce Commission, and that you refer to any Commerce Commission Fair Trading Act factsheets
  • Do not make any offer to a customer on our behalf or any claim about a Gem Visa and/or Gem CreditLine product (whether expressly or by conduct).
Legal & Disclaimer Guidelines for Advertising Gem Visa and Gem CreditLine in NZ
Across all advertising media

Never use just 'Latitude' in your advertising. It should always be Gem Visa/ Gem CreditLine or Latitude Financial Services Limited as the finance provider.

Headlines are flexible. You can use your own or tweak the options we’ve provided you, as long as the meaning doesn’t change.

You must always incorporate the sub headline or requirements either within your headline or as prescribed. For example:

  • 24 months 0% interest available when you spend more than $1000 by 24 November 2019.
  • 24 months 0% interest available on any purchase over $1000. Ends 24 November 2019.

An end date is not required if the term promoted is an everyday offer and will not expire.

All disclaimer copy should be legible to the reasonable person, so consider font size and contrasting background colours.

If you have something that is not covered in these guidelines, speak to your Program Leader. Ensure your Program Leader provides you with final approval before going live with your advertising.

Where a minimum purchase amount is advertised, you may wish to refer to the ‘ Minimum Purchase Table’ located at the end of these Guidelines

Have a different offer?

Speak to your Programme Leader about how we can help.

In these guidelines, “XX” and “< >” are variables, e.g. “XX <months/years>” means you’ll need to select XX months or XX years, as applicable to your promotion. Example: 36 months

TVC & Radio

Latitude does not sign CAB agreements. (CAB= Commercial Approvals Bureau)

On a long campaign (greater than 3 weeks) an end date does not need to be called out in the initial TVC or radio advertisement. As the campaign nears its end (within 5 days or more before the end of offer) the end date must be presented in the advertisement. If possible, demonstrate that there are two versions of the creative (one with the end date and one without).

The TVC disclaimer must be legible with the colour of the words in contrast to the background and in a legible font size.

Do not fast-read disclaimers on the radio.

The retailer should be subject to guidance from the publisher as to the size of the font, length of time on screen and speed with spoken aloud. Please contact Latitude Financial Services Limited for guidance if required.

Catalogue

The catalogue distribution date must be on or after the promotion start date unless a commencing date or a range of dates is specified for the promotion.

Ensure products advertised on a page with any 0% Interest Payment Plan has products advertised above the minimum spend amount.

Homepage banner & third-party digital media - incl. web and email banners
For these space limited ads that do not include the full T&Cs (i.e. Prevailing interest rate after the promotional term ends or fee amounts) you must ensure the ad clicks through to a landing page with such details.

1. INTEREST FREE (with fixed term), e.g. 12 months interest free!

This plan requires customers to make a minimum payment each month, but they have the flexibility to make extra payments at any time. Plans start from 6 months.

1.1 Method Online, inserts, catalogue, full page ads, DMs and eDMs
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

If you are sending a personal communication directly to existing Gem customers, please replace the yellow highlighted words with the following:

  • “Normal credit and lending criteria and fees, including annual fees ($52 Gem Visa / $50 Gem CreditLine), apply.”

Please refer to The Minimum Purchase Table

1.2 Method Poster, window signage
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

1.3 Method Press & Catalogues (no bigger than A5 size)
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

1.4 Method Paid Third Party digital media – incl. web and email banners
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

1.5 Method Homepage banner
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited. Ask in-store for further details.
Notes

If your website has an “Apply” button that links to Latitude’s website, then delete the words highlighted in yellow. The ad should always click through to a landing page with the remaining info on the product or promotion advertised i.e. prevailing interest rate, fee amounts etc.

Please refer to The Minimum Purchase Table

1.6 Method TVC & Radio
Headline

XX <months/ years> interest free*

XX <months/ years> 0% interest*

Pay no interest for XX <months/ years>*

0% interest for XX <months/ years>*

Sub headline Minimum purchase $xx. Minimum monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Conditions, fees and charges apply. Visit <retailer website/ ask in-store> for details. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes Please refer to The Minimum Purchase Table

2. INTEREST FREE (No specific term referred to)

This promotion doesn’t explicitly advertise a term. It’s simply a way to tell your customers that finance is available at your store.

2.1 Method Online, inserts, catalogue, full page ads, DMs and eDMs
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

2.2 Method Poster, window signage
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

2.3 Method Press & Catalogues (no bigger than A5 size)
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

2.4 Method Paid Third Party digital media – incl. web and email banners
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

2.5 Method Homepage banner
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited. Ask in-store for further details.
Notes

If your website has an “Apply” button that links to Latitude’s website, then delete the words highlighted in yellow. The ad should always click through to a landing page with the remaining info on the product or promotion advertised i.e. prevailing interest rate, fee amounts etc.

Please refer to The Minimum Purchase Table

2.6 Method TVC & Radio
Headline

Pay no interest*

Pay 0% interest*

Make it yours today with 0% interest*

Sub headline Minimum purchase amount applies. Minimum monthly payments required.
T & Cs *Conditions, fees and charges apply. Visit <retailer website/ ask in-store> for details. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3. INSTALMENT INTEREST FREE (Advertising with a term)

This plan requires equal instalments to be paid each month for the duration of the plan, so that at the end of the plan, the goods/services will have been fully paid for.

3.1 Method Online, inserts, catalogue, full page ads, DMs and eDMs
Headline

Pay it on a XX month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *XX months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $XX. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3.2 Method Poster, window signage
Headline

Pay it on a xx month interest-free plan.*

XX <months/years> interest free with equal monthly payments.*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *XX months of equal interest free instalments with [Gem Visa/Gem CreditLine] as [an instalment plan advance (Gem Visa)/ a CreditLine Select advance (Gem CreditLine)]. Amount payable will be shown on your monthly statement. Minimum purchase $XX. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3.3 Method Press & Catalogues (no bigger than A5 size)
Headline

Pay it on a xx month interest-free plan*

XX <months/years> interest free with equal monthly payments.*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3.4 Method Paid Third Party digital media – incl. web and email banners
Headline

Pay it on a xx month interest-free plan*

XX <months/years> interest free with equal monthly payments*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3.5 Method Homepage Banner
Headline

Pay it on a xx month interest-free plan*

XX <months/years> interest-free with equal monthly payments*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

3.6 Method TVC & Radio
Headline

Pay it on a xx month interest-free plan*

XX <months/years> interest-free with equal monthly payments*

Sub headline Minimum purchase $xx. Equal monthly payments required. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4. INTEREST FREE AND DEFERRED

This plan will not accrue interest and requires no monthly payments (i.e. payment deferred), for a certain period of time. After that time, if the customer has not paid the amount in full:

  1. their statement will have a minimum monthly payment they need to pay each month; and
  2. the remaining balance starts to accrue interest.
4.1 Method Online, inserts, catalogue, full page ads, DMs and eDMs
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *XX months interest free with no repayments during the stated period. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Minimum purchase $xx. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4.2 Method Poster, window signage
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa/$50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4.3 Method Press & Catalogues (no bigger than A5 size)
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4.4 Method Paid Third Party digital media – incl. web and email banners
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4.5 Method Homepage banner
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

4.6 Method TVC & Radio
Headline

XX months 0% interest and no payment*

Pay no interest and no payment for XX months*

0% interest and zero payments for XX months*

Sub headline Minimum purchase $xx. No monthly payments required during the stated period. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5. INTEREST FREE AND DEFERRED FOLLOWED BY ADDITIONAL INTEREST FREE

This plan is interest free and requires no monthly payment for a fixed period of time. After this time the customer gets an additional interest free period during which a minimum monthly payment is required.

5.1 Method Online, inserts, catalogue, full page ads, DMs and eDMs
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.
T & Cs *XX months interest free with no repayments required for the first XX months. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Minimum purchase $xx. Payment for your purchase will be deferred for the stated period, during which, no interest will accrue and no monthly payments need to be made. The interest free period will continue after the deferred payment period, for the stated time which requires a minimum monthly payment. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20, whichever is more, will not be sufficient to repay the purchase amount(s) within the interest free period. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5.2 Method Poster, window signage
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5.3 Method Press & Catalogues (no bigger than A5 size)
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5.4 Method Paid Third Party digital media – incl. web and email banners
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5.5 Method Homepage banner
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.

T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

5.6 Method TVC & Radio
Headline

XX months 0% interest and no payment plus XX months 0% interest*

XX years 0% interest and no payment plus XX years 0% interest*

XX months no interest and no payments plus XX months interest free*

Sub headline Minimum purchase $xx. XX months interest free with no repayments required for the first XX months. Offer ends xx/xx/xxxx.
T & Cs *Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
Notes

Please refer to The Minimum Purchase Table

 The Minimum Purchase Table

A minimum purchase amount is the lowest amount which may be financed and differs for each promotion. Multiple purchases taken or delivered on different days require each purchase to total at least the minimum purchase amount. The minimum purchase amounts below apply to both Gem Visa and Gem CreditLine:

Interest Free Start Up, Instalment Plan Advances/ Gem CreditLine Select and Split Plans (total period)
To 12 months: $250
13-24 months: $500
25- 36 months: $750
37 – 60 months: $1,250
Interest Free & Deferred Payments
New Business: $250
Add Ons: $100
Gem CreditLine 120
New Business: $250

Assets

Instalment Interest Free calculator

Calculate repayments for purchases on an instalment interest free promotional plan.

Open calculator
Gem Finance repayment calculator

Gem Visa Card

Includes:

  • Gem Visa Card 100x63px (png)
  • Gem Visa Card 400x254px (png)
  • Gem Visa Card 1000x632px (png)
Download Asset

Gem Visa Card Perspective

Includes:

  • Gem Visa Card Perspective 100x88px (png)
  • Gem Visa Card Perspective 400x350px (png)
  • Gem Visa Card Perspective 1000x875px (png)
Download Asset

Gem Visa Stack

Includes:

  • Gem Cards Stack 6496x5906px (png)
  • Gem CreditLine 6496x5906px (png)
Download Asset

Training

Welcome to the training portal for Gem Visa and CreditLine. Here you will be able to access online training modules, as well as other helpful documents, to ensure the process of recommending Gem is as simple as possible.

Training Modules

The online training modules will allow you to complete product training at your own pace, and at a time that suits you. To access these, you will need a username and password. For log-in enquiries, please contact Merchant Support on 0800 787 767 Mon-Fri 8.30am to 5.00pm.

Enter Gem Online Learning

Should you have any questions or experience any difficulty in using this site, please contact your local
Business Development Manager or Merchant Support on 0800 787 767 Mon-Fri 8.30am to 5.00pm.

Copyright © Gem Visa and CreditLine are provided by Latitude Financial Services Limited.