Thanks to whoever said it was McQuarie, as I now know who rings and doesn't leave message - ombudsman time. My payment takes 3 days to go through - don't know why, and I have asked them, but they haven't replied. I pay it by the due date through a Big 4 bank, so problem is their end.

Call came from 'Macquarie Card Services'.

Another number for Jetstar card collections.