Card Types
Card Tips
- Credit Card Articles
- Best Balance Transfer Guide
- Get the Most from Reward Programs
- Dodge annual fees
- Pay less credit card interest
- Dodge annual fees
- Paying the Full Balance
- Debt Consolidation
- Acceptable Referees
- Interest Free Days Explanation
- Credit Card Fraud in Australia
- Making Money with Credit Cards
- Regaining a High Credit Limit
- How to Pick a Credit Card
- An Unorthodox Way to Find Cards
- Stop your Application being Rejected
- Funding your Wedding with Credit Cards
- Compare Credit Cards
- Glossary of Credit Card Terms
Things you need to know
There are some things about credit cards you really need to know about. We will try to address some issues and unclear concepts about credit cards to make life easier for you. Please feel free to send us some questions that have not been answered here.
Get the Most From Your Rewards Credit Card
Restrictions, fine print, and red tape can drastically limit what you get out of your rewards credit card. If you’ve done your part, used your credit card, paid your bill on time, your credit card should keep up its end of the deal and give you the rewards you were promised. It doesn’t always happen that way. Find out how you can get around your reward card’s restrictions and earn more rewards.
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Pay your balance in full each month. Rewards credit cards tend to have a higher interest rate than other types of credit cards. When you carry a balance beyond the interest free period, you’ll end up with higher interest charges than you would on other credit cards. The more you pay in interest, the less valuable your rewards will be. For example, if you pay $100 in interest over the year, but only receive $75 in rewards, you haven’t really gained anything.
Rather than carrying a balance on a high interest rate rewards card, pay your balance in full every month. Signing up for a card with a low interest rate will lessen the effect of interest charges. It’s still best to pay your balance in full each month to avoid interest charges all together.
Current Credit Card Statistical Trends in the Australian Credit Card Market
When a person speaks of credit card statistical trends, the thing they are most likely talking about has to do with the specifics of a credit card deal. While different types of credit cards will bring different things to their owners, there are certain characteristics shared by all credit cards. Things like interest rates, fees and many of the other bread and butter characteristics of the average credit card are omnipresent and for that reason learning about their trends is something that is useful to know. This information will help you when you are searching for a credit card because it will show you what the present and the future are likely to be.
Best Balance Transfer Rates - 0% APR Credit Cards
Smart shopping for 0% annual percentage rate (APR) credit cards can save consumers hundreds of dollars in interest charges. Many consumers do not think to shop around for credit cards. However, with half of Australian grocery store purchases being made with credit cards, the decision as to which card the consumer uses can have an impact on how much is paid in interest. One way you can save money in interest charges is to shop around for a 0% APR credit card to transfer existing balances to. The concept of shopping for the best interest rates is not new for purchases such as homes and cars, but so few consumers stop to think about shopping around for the best credit card deal.
Saving Money with 0% APR Cards
It is possible for you to save hundreds of dollars a year by transferring balances to a 0% APR credit card. Here is how it works: A consumer applies for a new credit card with a special introductory interest rate of 0% APR for balance transfers. After gaining approval, the consumer transfers the balance of his or her credit cards to the new card.
Remove Debt: Tips on Paying off your Credit Cards
A Growing Trend in Australians and their Credit Cards
There is an ever-increasing usage of credit card in all walks of life by everyone. It is the plastic money that buys all, and in Australia it’s becoming more and more easy to use it loosely. With petrol prices at an incredible $1.65 per litre, you can easily get carried away with how much you’ve spent. The card does not entitle credit for free. But when it comes to paying, it pinches if you are not a systematic payer.
There is the vicious cycle of interest that gets added up if the total amount is not cleared off within the stipulated date. Thus, your paying off becomes quite large and clearing these credit card debts then become quite annoying. Spending with credit card can be an addiction too and people end up paying a fortune if one calculates the interest and late payment charges that get added up as a result of irresponsible spending and not paying off in time.
Successfully Disputing Errors On Your Credit Report
A credit report is a very important document for an individual as it is the basis by which a person can get future loans and his entire credit history is based on it. You need to know your credit score whenever you need to close a loan deal or renegotiate on the existing interest rate on credit cards.
The lenders generally judge your creditworthiness and charge you interest rate depending on your credit scores that generally range from 300 to 850. A vast majority of consumers ignore the credit rating reports and thus often fail to take corrective action against inaccurate data.
How to Fund your Wedding with Credit Cards and Maximise your Rewards
Marriage can be either exciting or stressful - regardless of which, funding a wedding will always be is expensive. One of the easiest way to meet this short term fund strain
can be employing the use of one or more credit cards. The following information in this article will explain which credit cards you can use to maximise the savings and rewards extractrable out of your costly wedding.
There are a few prerequisites for the suggestions and strategies listed in this article to work. Namely, these are:
For starters, you’ll want to benefit from spending so much on your wedding via a credit card with a generous rewards or cashback program. Some credit cards you may want to consider are:
An Unorthodox Way of Finding the Right Credit Card
Perfect Credit Cards - Do they Exist?
When it comes down to it, there aren’t any perfect credit cards. You may find the best credit card on the market available for you, but in the end, there’s always a catch.
In this article I’ll explain a more uncommon approach to finding credit cards that best suit you.
New to Credit Cards? A Guide to Interest Rates
A Basic Summary of Interest Rates for Credit Cards
As a consumer searching for a new credit card you need to be vigilant in educating yourself to the interest rates that you could end up being responsible for paying. The interest rates that you would be paying for the items that you are buying can end [...]
How you can Stop your Credit Card Application being Rejected
Bad Credit Card Record?
If you’re afraid you have a bad credit card record, or simply can’t comprehend why your constantly getting rejected credit card applications, this article is for you to help get around these issues.
I was inspired to write this article after I received this post:
After applying for Commonwealth and Qantas Amex cards, both [...]
How to Compare Credit Card Offers
When you first step out and decide that you want to get a credit card, it can be a daunting thing. “Why are they offering me 0% APR?” you may ask yourself. Or, you may question the reason in which they are telling you that if you sign up, you’re going to get all of [...]
RaboPlus - High Interest Savings Account
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How to Get a Higher Credit Card Limit as a Student
In olden times, it was easy to get hold of a loan from money lenders and acquaintances. Back then there weren’t any credit histories or credit scores that determine your eligibility. It was sheer out of trust and sincerity that people got loans. However, today, the loan, apartment or car you wish to avail of [...]
When you have bad credit or a low credit score, the faster you can fix the problem, the faster you’ll have more money in your pocket. The interest rates you pay on loans will start falling, and you might even find the premiums you pay on life, health, and auto insurance will drop. So, what’s [...]
Nonstop, we are sent different offers for credit cards, whether online or in the mail. Each of these offers claims to be the best offer out there. “Zero percent APR! No sign up fee!” Frankly, getting confused and not knowing what to do with all of these offers is a very common feeling. With so [...]
New Credit Card Offers Comparison Tool
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Debt Consolidation Advice - Information and Services
Debt Consolidation in Australia
Many people are stuck with loans and credit card balances today not knowing how to payback. Timely advice or proper guidance can help relive them of unnecessary frustration caused due to loans and debts.
Generally Australian’s find it hard to manage their paychecks or their financial position. They either over spend or covert [...]
Advice on How to Cut Credit Card Debt
When looking at statistics found on theage.com.au, it is stated that Australians owe $41 billion on credit cards at the end of July 2007. That’s a fair bit of dollars to be owed. Just for a rough approximation, the population of Australia a year after that was 20,600,856. Doing the math, we can see that [...]
Why Compare Credit Card Offers to Find the Best Deal
The Truth about Credit Card Offers
Why do the credit card providers off such incredible features like ‘interest free’ and ‘0% balance transfers’? What’s in it for them?
These might be some questions that have run through your head. They’ve certainly run through mine.
I am always more than a little skeptical about signs that shout out “Zero [...]
5 Ways you can Protect your Teenager from Credit Card Debt
Teenagers and Credit Cards
Plastic is the currency of the world we live in today. Teenagers when growing up want to access their money faster and make more considered decisions.
A credit card is a serious step in a childs financial literacy development, they can be very effective financing tools or can be terrible burdens if used [...]
Making Money with Credit Cards
The very idea of potentially making money from a credit card can, from time to time, seem incredibly far-fetched. However, it is something that is very possible, but requires you to have a bit of discipline. In essence, you are going to be taking money from the credit card company and then reinvesting [...]
Why Consider a Lower Interest Rate Credit Card?
Before even applying for a credit card, the first thing that people do is go out and try and find the lowest interest they can find. They want to get low interest credit cards for the off chance that they are unable to pay the credit card company back; they don’t want to be [...]
7 Tips to Obtaining a Higher Credit Card Limit
The ultimate goal of any credit card user is to achieve good credit. At least, that should be your goal because of the benefits of having good credit. You want good credit because with it, you’re considered a more trusted investment. In essence, the higher your credit limit, the more reliable you appear to loan [...]
Fraudulent Credit Card use in Australia - How Bad is it?
Credit card fraud is quite prevalent in the US and UK, but how does Australia compare?
What does 55 days interest free really mean?
Does it really mean you get 55 days interest free for every purchase you make? Not really. This article discusses the true meaning of “55 days interest free” and runs you through a simple example.
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