<path d="M47.2 26.7c-.5 0-.8-.4-.8-.8 0-5.9-2.3-11.5-6.5-15.7S30 3.7 24.1 3.7c-.5 0-.8-.4-.8-.8s.3-.9.8-.9C30.5 2 36.5 4.5 41 9s7 10.5 7 16.9c0 .5-.4.8-.8.8zM33.4 48c-6.5 0-14.5-4-21-10.4-4.8-4.8-8.3-10.4-9.7-15.8C1.2 16.2 2 11.5 5 8.6c1.9-1.9 5.8-2.7 6-2.7.5-.1 1 0 1.5.2.4.2.8.6 1 1.1l4.1 10.2c.2.5.2 1 .1 1.5s-.3.9-.7 1.3l-3 3c-.2.2-.3.3-.3.5s0 .4.1.6v.1s0 .1.1.1c2.8 4.9 6.9 8.9 11.8 11.7l.2.1c.1.1.3.1.5 0 .2 0 .4-.1.5-.3l3-3c.4-.4.8-.6 1.3-.7.5-.1 1-.1 1.4.1l10.3 4.1c.5.2.9.6 1.1 1 .2.4.3 1 .2 1.5 0 .2-.9 4.1-2.7 6-2 1.9-4.8 3-8.1 3zM6.1 9.7C3.6 12.2 3 16.3 4.3 21.3c1.4 5.1 4.7 10.5 9.3 15.1 6.1 6.1 13.7 9.9 19.8 9.9 2.8 0 5.2-.9 6.8-2.5 1.2-1.2 2-4.1 2.3-5.1 0-.1 0-.3-.1-.4l-.3-.3L32 34h-.5c-.2 0-.4.1-.5.3l-3 2.9c-.4.4-.8.6-1.4.7-.5.1-1.1.1-1.6-.2l-.2-.1-.1-.1c-5.1-2.9-9.4-7.2-12.4-12.4l-.1-.1c-.2-.6-.3-1.1-.2-1.6s.4-1 .8-1.4l3-3c.1-.1.2-.3.3-.5v-.6l-4-10.1c0-.1-.1-.2-.3-.3-.1-.1-.3-.1-.4-.1-1.1.3-4 1.1-5.3 2.3z"> Call us You can contact our call centre during the following times: Monday – Saturday 8.30am – 6pm Sundays: closed Are you a Q Mastercard holder? CALL 0800 119 100 Call +64 9 580 7399 (Overseas) <path d="M48.1 44.9 48 21.1c0-.7-.2-1.3-.5-1.9-.3-.6-.7-1.1-1.2-1.6l-4.8-3.8V9.7c-.1-.4-.4-.8-.8-.8h-5.9l-8-6.2c-1.1-.8-2.6-.8-3.7 0l-8 6.2H9.3c-.4 0-.8.4-.8.8v4.2l-4.8 3.7c-.5.4-.9.9-1.2 1.5-.3.7-.5 1.4-.5 2.1v23.7c0 .7.3 1.3.8 1.8.2.2.4.3.6.4.2.2.6.4 1.2.4h40.9c.7 0 1.1-.2 1.4-.4.2-.1.3-.2.4-.4.5-.5.7-1.1.8-1.8zm-44.5-.2V21.1l14.5 12.2L3.7 44.9h-.1v-.2zm42.8-23.5v23.7h-.1L32 33.3l14.4-12.1zm-22.3 9.2c.5-.4 1.3-.4 1.8 0L45 45.8H5l19.1-15.4zm21.2-11.6c.2.2.4.4.6.7l-4.4 3.7v-7.4l3.8 3zM24 3.9c.3-.2.6-.3.9-.3.3 0 .7.1.9.3l6.4 5H17.6l6.4-5zm15.9 6.6v14.1l-9.1 7.7-3.9-3.2c-1.1-.8-2.6-.8-3.7 0l-3.9 3.1-9.2-7.7v-14h29.8zM4.7 18.8l3.8-2.9v7.3l-4.4-3.7c.2-.3.4-.6.6-.7z"/> Write to us If you would prefer to contact us in writing, then please send your correspondence to the following address: Q Mastercard: Columbus Financial Services Ltd Private Bag 94013 Auckland 2241

<path d="M47.2 26.7c-.5 0-.8-.4-.8-.8 0-5.9-2.3-11.5-6.5-15.7S30 3.7 24.1 3.7c-.5 0-.8-.4-.8-.8s.3-.9.8-.9C30.5 2 36.5 4.5 41 9s7 10.5 7 16.9c0 .5-.4.8-.8.8zM33.4 48c-6.5 0-14.5-4-21-10.4-4.8-4.8-8.3-10.4-9.7-15.8C1.2 16.2 2 11.5 5 8.6c1.9-1.9 5.8-2.7 6-2.7.5-.1 1 0 1.5.2.4.2.8.6 1 1.1l4.1 10.2c.2.5.2 1 .1 1.5s-.3.9-.7 1.3l-3 3c-.2.2-.3.3-.3.5s0 .4.1.6v.1s0 .1.1.1c2.8 4.9 6.9 8.9 11.8 11.7l.2.1c.1.1.3.1.5 0 .2 0 .4-.1.5-.3l3-3c.4-.4.8-.6 1.3-.7.5-.1 1-.1 1.4.1l10.3 4.1c.5.2.9.6 1.1 1 .2.4.3 1 .2 1.5 0 .2-.9 4.1-2.7 6-2 1.9-4.8 3-8.1 3zM6.1 9.7C3.6 12.2 3 16.3 4.3 21.3c1.4 5.1 4.7 10.5 9.3 15.1 6.1 6.1 13.7 9.9 19.8 9.9 2.8 0 5.2-.9 6.8-2.5 1.2-1.2 2-4.1 2.3-5.1 0-.1 0-.3-.1-.4l-.3-.3L32 34h-.5c-.2 0-.4.1-.5.3l-3 2.9c-.4.4-.8.6-1.4.7-.5.1-1.1.1-1.6-.2l-.2-.1-.1-.1c-5.1-2.9-9.4-7.2-12.4-12.4l-.1-.1c-.2-.6-.3-1.1-.2-1.6s.4-1 .8-1.4l3-3c.1-.1.2-.3.3-.5v-.6l-4-10.1c0-.1-.1-.2-.3-.3-.1-.1-.3-.1-.4-.1-1.1.3-4 1.1-5.3 2.3z"> Call us You can contact our call centre during the following times: Monday – Saturday 8.30am – 6pm Sundays: closed Are you a Q Card holder? CALL 0800 117 000 Call +64 9 525 8554 (Overseas) <path d="M48.1 44.9 48 21.1c0-.7-.2-1.3-.5-1.9-.3-.6-.7-1.1-1.2-1.6l-4.8-3.8V9.7c-.1-.4-.4-.8-.8-.8h-5.9l-8-6.2c-1.1-.8-2.6-.8-3.7 0l-8 6.2H9.3c-.4 0-.8.4-.8.8v4.2l-4.8 3.7c-.5.4-.9.9-1.2 1.5-.3.7-.5 1.4-.5 2.1v23.7c0 .7.3 1.3.8 1.8.2.2.4.3.6.4.2.2.6.4 1.2.4h40.9c.7 0 1.1-.2 1.4-.4.2-.1.3-.2.4-.4.5-.5.7-1.1.8-1.8zm-44.5-.2V21.1l14.5 12.2L3.7 44.9h-.1v-.2zm42.8-23.5v23.7h-.1L32 33.3l14.4-12.1zm-22.3 9.2c.5-.4 1.3-.4 1.8 0L45 45.8H5l19.1-15.4zm21.2-11.6c.2.2.4.4.6.7l-4.4 3.7v-7.4l3.8 3zM24 3.9c.3-.2.6-.3.9-.3.3 0 .7.1.9.3l6.4 5H17.6l6.4-5zm15.9 6.6v14.1l-9.1 7.7-3.9-3.2c-1.1-.8-2.6-.8-3.7 0l-3.9 3.1-9.2-7.7v-14h29.8zM4.7 18.8l3.8-2.9v7.3l-4.4-3.7c.2-.3.4-.6.6-.7z"/> Write to us If you would prefer to contact us in writing, then please send your correspondence to the following address: Q Card: Consumer Finance Ltd Private Bag 94013 Auckland 2241

Help and Support

Q Card – How do I decrease my credit limit?

Please note this article applies to

Q Card

You can request to decrease your credit limit within the Q Card app, or by contacting us.

Need more help?

If you’ve got any queries or issues with your card, or your card has been lost or stolen, you can get in touch with us by phone, email, or mail. See below for all of our contact information.