Credit Card Articles

Cheapest Credit Card for 2010

The Bankwest Lite is a low-stress credit card with a fantastic purchase rate and balance transfer offer to give you some relief from your credit card debt, and help you repay back your balance sooner with reduce credit card interest repayments.

• $59 annual fee
• 10.75% p.a. on purchases
• 21.49% p.a. on cash advances
• 1.99% p.a. for 9 months on balance transfers

Click here to read the Bankwest Lite MasterCard terms and conditions

• CreditCardFinder Sponsors Money Crashers’ Give Away Bash
  

  Money Crashers is a finance website designed to help you get financially fit. In order to celebrate the new year, Money Crashers have rounded up dozens of sponsors to help fund all the groovy prizes up for grabs for their holding their Money Crashers 2010 New Year Giveaway Bash!

  If you have a blog or a [...]



• How Do You Reverse A Credit Card Transaction?
  

  Sometimes when you pay for something with your credit card, there are issues with the transaction, or in the case of an emergency you may need to reverse a transaction. Read our article to find out the answers to commons questions about reversing credit card transactions.



• Go Green And Switch To An Online Credit Card Statement
  

  An online credit card statement is one way to help mend the environment. You save on all kinds of environmental damages including paper, ink, and even the petrol you use to get that bill delivered to you. By switching over to an online statement you can also reduce your risk of identity theft.



• What Is On A Credit Card’s Magnetic Stripe?
  

  Credit card magnetic stripes carry a great deal of information. There are two tracks on the card with the first holding enough information alone to process your purchase. The first track is also the only one that has the cardholders name on it.



• How To Use Credit Cards When Travelling Abroad
  

  It is always a wise move to take your credit cards travelling with you when you go abroad. They provide an easy way to make purchases that does not involve carrying large amounts of cash around with you, or having to search out an exchange bureau as you must when you use traveller’s cheques. They [...]



• 25 Interesting Credit Card Facts
  

  Almost everyone has a credit card in their wallet. Not everyone probably knows these credit card facts. They have a secret little life that most owners are not aware even exists.



• Credit Cards: The Pros And Cons Of Owning A Credit Card
  

  Owning a credit card has a list of pros and cons. Anyone who has or wants some plastic to use for spending should consider these before they sign up for one. A credit card is a legal contract that should not be entered into without careful deliberation.



• How To Use A Credit Card To Save Money
  

  It is difficult to figure out how to save money with a credit card, but it is possible. As long as you understand and obey the cards regulations you can save money with things like balance transfers and rewards programmes. Just be sure that you are financially ready to meet the required tasks.



• What Is The Most Prestigious Credit Card?
  

  Owning a prestigious credit card lets the world know that you have a lot of money to spend. The most prestigious is the American Express Centurion card. There are other prestigious cards available from Visa, MasterCard, Diners Club, and Coutts in the UK.



• CBA Awards Programme
  

  The cba awards programme allows you to combine your spending on two credit cards to get the maximum benefits. American Express and MasterCard are combined into one statement and one annual fee. However, the points combine allowing you to reap the most of their rewards including travel, cash, and airline miles.



• Applying For A Commonwealth Bank Credit Card
  

  Applying for a cba credit card online is fast and simple. If you come prepared with the proper documentation the whole process takes less then 20 minutes. The decision of eligibility will quickly follow in less then five days.



• Commonwealth Bank Credit Card Features And Benefits
  

  There are some cba credit card features that come with any of their products. Included for all are excellent security services. Moving up the ladder adds warranty, travel, and personal assistant service.



• How difficult is it to cancel credit cards? Why?
  

  If you are considering cancelling a credit card, be prepared and stay focused and the process will be harmless and only take a matter of minutes.



• Complimentary Insurance For Commonwealth Gold And Platinum Credit Card
  

  Complimentary insurance is offered to gold and platinum cardholders at Commonwealth bank. The insurance covers a variety of travel expenses. It also offers extended warranties and purchase security insurance on items bought with the card.



• Travelling Overseas With Your Commonwealth Bank Credit Card
  

  Using your credit card when you are travelling overseas is simple. More difficult is understanding the regulations associated with this use. It is important that you understand the currency exchange charges and keep a record of your purchases for accurate accounting.



• MasterCard PayPass
  

  MasterCard Paypass is a credit card system that is relatively new to Australia. Instead of a traditional swipe you only have to pass your card in front of the reader to process your purchase. It does away with Pin/signature verification but maintains MasterCards zero liability guarantee.



• Commonwealth Bank Student Credit Cards
  

  A cba student credit card is one way to introduce yourself to the world of credit. The card carries a high interest rate, but has low limits and other perks meant to protect students from getting into debt. These cards are available to students over the age of 18 who meet a few other minimum requirements.



• Citibank Credit Card Frequent Asked Questions
  

  There are several citibank credit card frequently asked questions you will want answered if you choose to apply for this card. The process of application is straightforward as is the switching process. By having all of your financial information easily accessible you can speed up the application process.



• How To Pay Off Your Credit Cards Ten Times Faster eBook Review
  

  Our review of the E-Book: How to pay your credit cards off 10x Faster!



• Citibank Rewards Program FAQ
  

  The Citi rewards program can help make sure that your points are never wasted. Not only can you redeem them for rewards you can use them to pay your annual fee. Points are easily transferrable to another cardholder or if you upgrade to a higher level card.



• Retail Banking Review
  

  The Retail Banking Review is a publication about the online banking industry. Find out more about subscribing to it and where to find this financial tidbit.



• Banking Review Blog
  

  Find out what the Banking Review Blog can offer you and where to find this blog. Some of the information contained within is essential for protecting your personal details.



• Who Pays These Charity Donations And Why?
  

  Did someone drop the C-bomb? Charity credit cards are not commonly known. They should be though. Learn how charity cards favour with rewards programmes and how they all fit together.



• Will The Credit Crunch Affect Me?
  

  Even so the credit crunch is close to being called history there are still thousands of Australians who wonder about the implications of the financial crisis. While we could say we got away with a blue eye there are certain things you need to keep in mind to stay unscathed.



• Where Do Charity Funds Come From?
  

  Most consumers don’t understand how charity credit cards work and what exactly they are. Learn how to maximise these cards getting more bang for your buck.



• I Had To Pay A Fee While Using My Credit Card For Gambling – Why?
  

  Cash advance credit cards can cost you a lot more than you think, especially when you tend to pay for your gambling habits. Learn how to take advantage of this type of credit card and save money in the process.



• Online Banking Review
  

  Online Banking Review (www.onlinebankingreview.com.au) is an excellent publication that covers the online banking world both here in Australia and abroad.



• Credit Cards Online: Improve Your Credit Card Internet Security
  

  You should always be cautious when using your credit card to make purchases online. Educate yourself with our article about some of the common scams you can avoid when shopping onine with your credit card.



• Hotels.com – Find Cheap & Luxury Hotel Accommodation online
  

  If you are looking to travel overseas or even around Australia, you will want to find a cheap place to stay, or a luxury hotel so you can have a relaxing night. Hotels.com gives you access to the cheapest hotel deals around the world.



• Credit Card Information for Seniors
  

  As a senior citizen, the financial decisions you make are quite important as you are close to retiring or have already retired, and it’s very important to be able to manage your funds. Read our guide with Credit Card Information for Seniors.



• Best Of The Best Online Banking Accounts And Savings Accounts
  

  When it comes to applying for a bank account or high interest savings account, you want to ensure you apply for the best available in the market. Read our article to get a cross section of the best online banking accounts.



• Common Reasons your Credit Card Application will be declined
  

  Ever been declined from a credit card application and couldn’t wrap your head around why? We investigate some of the leading causes of credit application rejection to provide an answer for those in need. Find out some of the ‘undisclosed’ requirements as well as which bank offers a straight up simple online application process.



• Best Bank In Australia
  

  There are so many disparate awards given out to banks in Australia. What would happen if you were to tally all those awards fore each of the banks – who would be the best bank in Australia overall?



• iSelect Compare Health Insurance & Save! – iselect.com.au
  

  Compare, Select & Save by using iSelect to find the best health insurance policy online – iSelect.com.au. Apply for a new health insurance policy today and begin saving money with iSelect.



• Have You Considered A Switch To Save Money With Your Bank Accounts?
  

  Have you considered switching banks or bank accounts to save money? Read our guide to understand the benefits of switching – you could literally save hundreds of dollars by changing accounts.



• Top Credit Card Freebies
  

  Credit cards aren’t always going to cost you – there are actually a bunch of freebies that your credit card can give you in reward for purchasing on your card, or even just owning the right type of credit card. Read this guide which goes in to 5 credit card freebies you may not know about!



• Golden Rules For Credit Card Consumers
  

  If you own a credit card, there are 3 golden rules you should always follow. 1) Pay your bill in full each month, 2) take advantage of rewards, 3) never miss a payment. Read our guide to find out more.



• Bankruptcy Credit Card
  

  If you are heading down the road of debt, you don’t want to even have to consider bankruptcy. You need to take steps today to ensure you repay your credit cards and get your finances sorted so you’re back in a healthy financial situation.



• Credit Card Counseling
  

  If you are in serious credit card debt, sometimes it can be too much for you to handle on your own. In these cases it’s important that you employ the assistance of a professional financial adviser to assist you with creating a plan and strategy to repay your debt and get back on your feet.



• How To Shop Safely Online
  

  If you shop online regularly, or you are considering to shop online for the first time, there are key things that you should know to help ensure you have a safe online shopping experience. This guide to shop online safely will teach you some of the fundamentals to protecting yourself from credit card fraud and other online shopping security threats.



• Credit Card Balances
  

  Credit card debt and having a monthly credit card balance isn’t something uncommon amongst Australians. Follow this article which will identify three basic wayst that you can reduce your credit card balances.



• Typical Credit Card Scams and How To Avoid Them
  

  Read our article to learn about common pitfalls of credit cards and how to avoid being ripped off by your bank.



• Major Credit Cards In Australia
  

  A large majority of the credit cards issued in Australia are issued by the big four banks, with competitive credit card offers. Read our review of the major Australian banks and their credit cards.



• Credit Card Finder Featured On Australian Banking And Finance News
  

  CreditCardFinder has been named a top site for the Australian credit card market. InfoChoice has reported losses and is denying weak trade conditions. CreditCardFinder gives consumers access to credit card, loan, and savings comparison tables.



• Managing Your Credit Card
  

  Managing your credit card more tightly will have some great benefits, helping you to pay down your balance sooner, consolidate your card balances, and keeping an eye out to ake advantage of the great introductory offers from Australian banks and credit card issuers.



• Best Credit Cards – October 2009
  

  If you are looking for a new credit card, we’ve hand selected some of our top credit cards for October 2009. Compare the offers and find the right credit card for you.



• Key Questions To Ask Before Signing Up For A New Credit Card
  

  When you go to sign-up a new credit card account with one of the Australian banks, there are some key questions you should be asking yourself before committing to completing the credit card application online.



• Finding Your Ideal Credit Card
  

  In choosing your ideal credit card, which are the key features you should be looking out for? This article will tell you the most important things to look for when comparing credit card offers to help you find your ideal credit card.



• E*TRADE Online Share Trading Account
  

  Join E*TRADE and create an online share trading account that is integrated with tax tools to make reporting at tax time a whole lot easier! Apply for an E*TRADE Online Share Trading account today.



• belldirect.com.au Bell Direct Online Share Trading Account
  

  Are you paying too much for your online share trades? Do the price check! Bell Direct is Australia’s lowest cost brokerage – Register Now to start saving!



• Simple Ways To Cut Your Credit Card Bill
  

  Reducing your credit card repayments doesn’t have to be a mystery, or a magical act. If you take some calculated steps, there are obvious ways for you reduce your credit card bill each month.



• Credit Card Special Offers
  

  The credit card promotions in this article offer some of the most competitive interest rates and features from an Australian credit card offer that we have seen in 2009. Compare and take advantage of the introductory offers available from Australian banks for new credit card customers.



• New Credit Cards Before Holidays – Is It Always A Good Idea?
  

  Are you considering a new credit card to help give you some funds to survive the Christmas & holiday season? Here are some factors to look in to before making your decision to apply online.



• Is It ‘Plastic Fantastic’ or is More ‘Plastic Drastic’?
  

  Credit card debt is a problem that must be addressed in Australia. There are several options available to manage it including debt consolidation, personal loans, and balance transfers. All of these should be carefully weighed before making any final decisions.



• Credit Cards Give The Benefit Of Automatic Record Keeping
  

  One benefit of using credit cards for purchases, is that they are almost like an automatic record keeping tool. Credit cards can provide you detailed transaction records with each monthly statement so you will always know when a transaction occurred and the cost, and this credit card reporting feature in itself is a great way to keep track of your spending.



• How to switch bank accounts
  

  The idea of switching bank accounts sounds like a task that requires a lot of pain and effort. However, actually switching accounts is painless and fast, and the benefits it can bring you can far out way the time wasted with an account that wasn’t truly right for your financial situation. Read this guide to learn the benefits of making the bank account switch now, rather than later.



• Credit Cards And Bad Credit
  

  Having a bad credit history doesn’t necessarily mean you will forever be denied from applying for a credit card. It is important to begin to build back your credit score, and learn how to split credit cards and bad credit apart to ensure you have the best possible credit rating.



• Common Credit Card Tricks You Are Not Aware Of
  

  There are a number of tricks used by credit card issuers to ensure they get the most out of their customer accounts. Read through to find out some of the most common tricks and do your best to evade them.



• How To Pick The Best Credit Card
  

  In choosing a credit card there are some key points to consider. By following some of the tips in this article, you will be better educated to make a decision about which credit card is right for you.



• Diversifying Credit Cards: Should You Diversify Your Credit Cards?
  

  There are some clear arguments as to why you should diversify your credit cards. Whether it be to take advantage of balance transfer offers, get fraud protection, or have easy of acceptance eg: if you have trouble with an American Express cards, there benefit of diversifying your credit cards is obvious.



• Financing Purchases With A Credit Card
  

  Financing purchases with a credit card is not always an unwise choice. There are exceptions like in an emergeny, for a great deal, or for a lower interest rate when it can be a good choice. There are also rare opportunities when you can benefit monaterily from finacneing a purchase.



• The Benefits Of Using Credit Cards
  

  Besides the obvious benefits credit cards provide – cash flow, convenience, the ability to purchase goods online etc. there are some other benefits to credit cards which aren’t so obvious. This article looks in to 5 benefits that you may or may not know a credit card can give you.



• Credit Card Finder Featured in The Age – August 16, 2009
  

  Credit Card Finder was featured in the Age newspaper on August 16, 2009 in an article written by Nicole Pedersen-McKinnon entitled “Free yourself from plastic”. Nicole quoted our statistic on the lack of awareness of balance transfers.



• The Past, Present, And Future of Paying For Debts
  

  One of the standard tricks to pay off your credit card debt is to switch cards to a card with a lower interest rate, or a card with a balance transfer offer. But what is the root of the cause to you being in debt in the first place? This article looks in to a better way to deal with debt.



• The Good And Bad Of Low Standard APR Cards
  

  A credit card with a low standard variable interest rate can be a great card that you can stay with and use for life. There are benefits and some disadvantages to going with a card that has a low standard annual purchase rate, and this article covers both to help you make a decision as to whether or not a low interest rate credit card is right for you.



• Pre-paid Credit Cards: a handy and useful credit card alternative
  

  If you are looking for an alternative to credit cards, don’t look past the option of a pre-paid credit card. The offer the same convenience of a normal credit card – allowing you to shop online safely, as you are using money pre-loaded on to the card. Read our article on pre-paid credit cards to find out more



• Do This If You Can’t Get A 0% Card
  

  If you have applied for a 0% purchase credit card but were rejected, there are things you can do to increase your chances of being approved. Follow these steps to get yourself a 0% interest credit card.



• Credit Union Credit Cards Comparison
  

  In choosing from the available credit cards from Australian credit unions, you can’t look past CUA, and the CUA Gold Rewards MasterCard which comes equipped with a great rewards program and balance transfer offer.



• First Credit Card: Apply For Your First Credit Card With No Credit History
  

  If you are looking to apply for your first credit card, it’s more than likely you won’t have a strong credit card history. That is not to worry, as there are some options available to you to help you get your first credit card.



• Money Saving Tips
  

  We have put together a brief guide with some practical tips on how you can save money. Follow these tips and begin saving money to create your self a strong financial foundation.



• How To Make Money With Credit Cards
  

  This guide details various ways that you can make money with your credit card! Credit cards don’t always have to be a negative thing – treat your card right, and take advantage of bank introductory offers and you can really save yourself a lot of money.



• Financial Hardship And What To Do About It
  

  Financial hardship is when a debtor or person cannot afford to make repayments on a credit contract, and the individual may seek to adjust repayment terms and arrangements on the grounds of experiencing hardship. Read our guide to see the options available to you if you feel you are experiencing financial hardship



• Woolworths Everyday Money TV Commercial Offer – everydaymoney.com.au
  

  Woolworths offer a fantastic credit card, the Woolworths Everyday Money credit card, with one of Australia’s most popular rewards program offering 5% cashback on petrol, groceries and liquor. Find out more about this offer featured on everydaymoney.com.au



• Make Money Online: How to Make Money Online
  

  Many people have a dream of making money online, but never actually get around to finding the right niche to enter to begin making their cash. We’ve hand picked 10 online niche services that are tried and tested, with many people around the world offering these services to make themselves a lot of money on the internet!



• ING Direct TV Commercial Offer – ingdirect.com.au
  

  ING Direct have been advertising their competitive financial products via the TV Commercial offer advertising their products on their website ingdirect.com.au. Apply online via our website for the ING Direct Savings Maximiser account and start savings more now!



• Low Interest Rate Credit Cards in Australia
  

  Low interest rate credit cards are tantalizing for people who usually carry a significatn ba;lance on their cards. One must be aware that these cards usually make up for the interest in an annual fee. Most often the annual fee is not as much as the cost of monthly interest charges.



• Big Day Out (BDO) 2010 Line Up Announced
  

  The Big Day Out line-up has been announced – who will be playing? How are you going to afford the tickets? Both questions answered in our article!



• Should I Start An Emergency Fund Or Pay Off My Credit Cards?
  

  When you are faced with credit card debt, but don’t have any savings as a foundation – which is more important? Repaying your credit card balance to reduce your outstanding debt? Or putting away some savings so you have some backup funds in the kitty. This article addresses this issue – Credit Card Repayment vs Emergency Funds.



• How Much Of My Card’s Balance Should I Pay Off Every Month?
  

  Our article will help you understand how much of your credit card balance you should be paying off each month, to minimise your debt, and become closer to being debt free!



• What Do I Do With My Old Expired Credit Card?
  

  If you have an old cancelled or expired credit card, this article will go in to exactly what you need to do, with the appropriate steps to take to dispose of your credit card.



• De-Stress: Three Stress-Free Tips To Deal With Credit Card Bills
  

  If you don’t get on to your credit card repayments early, your credit card statements will pile up, and dealing with them can be overwhelming. Follow our articles 3 tips to help you get back on top of your credit card bills.



• Top 10 Wikipedia Credit Card Resources
  

  We have curated our own list of the top 10 credit card resources available on the massive user-driven online encyclopedia, Wikipedia. With articles from Credit Card Interest, to Balance Transfers, these resources are worth checking out.



• Banking Information – Where To Get More Info
  

  If you are after information on banking, we have put together this guide with information on the most important organisations in Australia that provide banking information and advice.



• Glossary Of Banking Terms
  

  You no longer have to confused with our glossary of common terms used in the Banking & Finance industry.



• ING Direct Orange Everyday Fee-Free Transactions
  

  ING Direct Orange Everyday is the proud new flagship account of ING and the bank has just announced that they would offer discount ATM charges for customers who withdraw more than $200 at a time (ranging from $1.50 to $2).

  The rebate for these transactions will only apply to withdrawals and not other ATM transactions or balance inquiries at this stage. As a bank, ING is certainly not the first bank in Australia to offer fee-free banking, but as a first they will offer unlimited ATM withdrawals without owning an ATM fleet or being part of an ATM network.



• Credit Card Maintenance Tips
  

  Once your credit card arrives, before you unleash yourself onto the high street, it is a good idea to brush up on your credit card maintenance skills. Even if you are a seasoned credit cardee, it is always wise to occasionally remind yourself of the dos and don’ts of credit card ownership.



• Money Tips
  

  In these tough times, it is more important than ever that we keep a watchful eye on our finances, so here are a few money saving tips to help you do just that. And unlike most savings plans, these are actions you can take immediately.



• Apply For Credit Cards Online
  

  Just as you can do most other things online these days, you can also apply for credit cards online, and it is normally done a lot more quickly and easily. Fourteen million Australians possess a credit card, and around a third of those people actually hold at least three credit cards in their name. What are the benefits when you apply for credit cards online?

  The process moves far more quickly for you, and there may be benefits attached if you apply for credit cards online. Many companies offer better rates for those people who pursue matters online, as this saves time and energy for the company as well.



• How To Watch Free Hulu Videos From Australia Hulu.com
  

  Read this guide to watching Hulu from Australia – a free alternative to cable TV. Many Australians are busily searching online to find out how they can access



• A rise in interest rates has been forecasted
  

  There is talk again of a rate-rise for Australians with the RBA indicating that the economy is recovering. The Australian economy has performed better than most through the Global Financial Crisis.



• Simple Savings Review – Saving money for Australians
  

  Join Simple Savings – a great Australian website with an active community, helping Australians save more money.



• 15 Common Credit Card Tricks
  

  There are some fairly obvious and common tricks used by the banks in their credit card offers. Our list of the 15 most common tricks will help you stay sharp and beat the banks to ensure you always get the best card deal that is right for you.



• Mobile Phone Banking In Australia
  

  Mobile Phone Banking has been a top priority for Australian banks, with most major banks providing functionality for customers to do their banking on their mobile phones. Impressively, Australian banks are also offering iPhone specific versions of the internet banking websites.



• CANSTAR CANNEX Star Ratings
  

  CANNEX, also known as CANSTAR CANNEX is an established and appreciated Australian rating system that provides fact-based data on over 20,000 consumer products including Australian credit cards.



• Sydney’s Dust storms: 3 Credit Card Excuses due to the Dust Storm in Sydney
  

  Sydney’s Dust Storms have brought about a red haze to the city, with many Sydneysider’s waking up confused and thinking – did I survive a nuclear attack? Instead after frantically jumping online to find out what had happened, we all discovered that Sydney had been hit by a monster dust storm – one of epic proportions! This opportunity has given credit card users in Sydney some fresh excuses for not paying their credit card bill this month.



• Fee Free Savings Account Comparison
  

  Australians rare sick of paying expensive $2 fees for using a foreign provider’s ATM. Fortunately, we don’t have to pay these fees – a host of Australia’s most competitive financial institutions are offering fee free banking on their transaction saving accounts.



• Choose A Card That Matches Your Spending Habits
  

  When it comes to choosing a credit card it is vital that you consider all card offers, but choose a card that suits your spending habits. For example, if you rarely pay your balance each month and always only pay back the minimum repayment, you are generally not going to be suited to a rewards credit card and should consider a low interest credit card. Read our article for more information on choosing the right card for your financial situation and spending habits.



• Simple Savings: 5 Strategies To Increase Your Savings
  

  Increasing your savings in your bank account isn’t difficult. It takes discipline and following some simple strategies to consistently increase the amount of money you have saved, and increase the amount of interest you earn on your savings. Follow our 5 simple strategies to help you start saving more money.



• Make the most of your Bank Account
  

  Your bank account is one of your most important bank accounts and if you don’t take some time to properly evaluate your banking situation it is likely that you are missing out, and not using your savings account to your full potential. Use our guide to make the most of your bank account.



• How to Switch Bank Accounts
  

  Switching savings accounts has become easier than ever with internet banking making it super easy for you to transfer funds from one account to another, without visiting your branch. Check out our guide which explains why it is important to compare bank accounts and consider switching banks to ensure you are getting the best deal on a high interest savings account.





• Page 1 of 3
• 1
• 2
• 3
• >


Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
St George Vertigo	Editor's Choice: Low Interest Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.	2.99% for 6 months (reverts to 11.99%)	20.74%	2.99% for 6 months	$55	55
Coles Group Source MasterCard	The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points	19.74%	21.99%	0% for 6 months	$0	62
Bankwest Zero Platinum MasterCard	Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers	16.99%	16.99%	1.99% for 9 months	$0	55