Have been a customer of theirs for a couple of years for when I'm in need of emergency. Am almost at the end of the loan to be paid. However, one of my bank account I hardly use the eftpos card OR the ATM just transfer. Was declined for no spending or withdrawal activities on that account. NOTHING ELSE. I don't have three months to practice using that card again to show outgoing. So for that I'm just appalled. I guess it's a sign not they don't need customers.