Take the time to change your credit card to a better deal

Spend some time today doing a credit card comparison, and improving your credit card situation by switching to a better deal

Take an in-depth look at the type of service your card provider is offering as well as the fees, rates and interest you are being charged. Be aware of the news making headlines regarding any financial institutions and credit card providers and what your family, friends and colleagues say about their own banks and credit card providers.

Featured Low Interest Credit Card Offer

The St.George Vertigo MasterCard recently re-launched, and is now offering a special promotional interest rate on both purchases and balance transfers. Take advantage of this latest offer from St.George, which will give you some breathing space to repay your balance at a lower interest rate.

• $55 annual fee
• 13.24% p.a. on purchases
• 0.99% p.a. for 12 months on balance transfers
• Cash Advance Rate of 21.49% p.a.
• 55 days interest free
• Minimum Income Requirement of $15,000 p.a.

Read the St George Vertigo terms and conditions.

Are You Content That You Are Getting the Most Out of Your Current Credit Card Provider?

Many people are content to just accept the credit card associated with their own bank and don’t take the time and effort to do some comparison shopping to find the best fees, rates and interest available. It is well worth the effort to consider the exact purpose you need the card for, and to inform yourself on what is available today.

Five Reasons to Reconsider and Change Your Current Credit Card

1. Unsatisfactorily service

Are your queries promptly answered? Can you quickly get hold of the correct agent to assist you? Are you treated like a valuable and respected customer? If you have had bad experiences in the past now is the time to do something about it and look for a better fit so that your needs are better met.

2. Unjustifiable and unfair charges and fees

Have you been charged high fees for not paying your credit card bill the moment it was due or for paying just slightly less than the full amount? It seems as if some credit card providers delight in charging you for late payments, charging you interest on the whole balance and not just on the outstanding balance owed by you, penalizing you for not paying the full amount the minute it was due or for exceeding the limits on your credit card. Of course it is right that they charge for services rendered, but not to the detriment of their valued customers. If you approach them in seeking help when you start to struggle with paying back what you owe monthly, and they are not willing to meet you halfway, then it is surely time to change your credit card.

3. Paying high interest rates

Do you know how your fees are calculated? As much as the banks and credit card providers have the right to charge interest fees, late payment charges, annual charges, penalties and even sneaky additional interest calculated on interest and fees charged, you also have the right to fair treatment when you approach them for a better deal. If they don’ t award you for being a trusted and loyal customer then it might be time to change your credit card. There are many companies out there with competitive rates and great offers.

4. References and testimonials

Family, friends and colleagues are often the ones whose shared experiences about their credit card providers will tip the edge towards you taking action into finding better savings and deals for yourself, thus putting more money back into your pocket. Listen to what they recommend and why, it might just be the best way to find the energy and time to investigate other options for yourself.

5. Negative publicity

Be aware of bad publicity and negative comments in the press about various financial institutions. Also be on the lookout for those who receive good press and ratings. Why would you want to be part of a company who is not doing well and is not staying competitive and responsive to their customers? Go with success and be part of a winning team. The credit card business is booming in Australia and therefore you have a wide choice of providers to choose from. This alone is the best reason to change your credit card.

Credit Card Finder® provides a comparison of credit cards in the Australian market for free and also offer lots of tips and advice. Switching costs between banks and credit cards can be reduced and the process made easier if you consider the benefits a balance transfer can offer you.

Check out today's featured offers:

Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum	Westpac Low Rate
2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%
	American Express Qantas Discovery Card	Earn Qantas Frequent Flyer points, plus take advantage of the no annual fee offer.	20.74%		$0	20.74%