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	<title>Compare Australian Credit Cards and Offers&#187; Credit Card Management Guide</title>
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	<link>http://www.creditcardfinder.com.au</link>
	<description>Welcome to Creditcardfinder.com.au! We want to help you find the best credit card for your needs.</description>
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		<title>My Credit Card is Maxed Out – What Can I Do?</title>
		<link>http://www.creditcardfinder.com.au/my-credit-card-is-maxed-out-%e2%80%93-what-can-i-do.html</link>
		<comments>http://www.creditcardfinder.com.au/my-credit-card-is-maxed-out-%e2%80%93-what-can-i-do.html#comments</comments>
		<pubDate>Wed, 12 Oct 2011 00:53:54 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=40825</guid>
		<description><![CDATA[Is your credit card maxed out? Have you been at the cash register to buy something only to be told that your credit card was denied? What should you do? Do you have a plan on reducing that credit card debt? You will need a plan and budget to get yourself out of debt and to pay off your maxed out credit card. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What Happens To Credit Cards After Death</title>
		<link>http://www.creditcardfinder.com.au/what-happens-to-credit-cards-after-death.html</link>
		<comments>http://www.creditcardfinder.com.au/what-happens-to-credit-cards-after-death.html#comments</comments>
		<pubDate>Wed, 03 Aug 2011 04:08:58 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=38957</guid>
		<description><![CDATA[Find out whether or not your credit card debt follows you in to the grave]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mobile Payment Systems: Will your Smart Phone replace your Wallet?</title>
		<link>http://www.creditcardfinder.com.au/mobile-payment-systems.html</link>
		<comments>http://www.creditcardfinder.com.au/mobile-payment-systems.html#comments</comments>
		<pubDate>Tue, 07 Jun 2011 01:24:05 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=36600</guid>
		<description><![CDATA[Mobile Payment Systems are popping up all over the place in the recent months, with serious entrants from Paypal, Google and Square. Read our analysis to get a full overview of where mobile payment systems are at, and what it means to use as an Australian credit card user.]]></description>
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		<title>Dealing with Unauthorised Direct Debits from your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/dealing-with-unauthorised-direct-debits-from-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/dealing-with-unauthorised-direct-debits-from-your-credit-card.html#comments</comments>
		<pubDate>Sun, 01 May 2011 05:07:03 +0000</pubDate>
		<dc:creator>Sudarno</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=31411</guid>
		<description><![CDATA[Direct debits can be corrected if they were unauthorised. You will have to talk with your biller and your card provider if you need help. This could affect you at any time, read on to find out what to do...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>10 Ways to Use Your Credit Card Wisely</title>
		<link>http://www.creditcardfinder.com.au/10-ways-to-use-your-credit-card-wisely.html</link>
		<comments>http://www.creditcardfinder.com.au/10-ways-to-use-your-credit-card-wisely.html#comments</comments>
		<pubDate>Fri, 08 Apr 2011 06:06:49 +0000</pubDate>
		<dc:creator>Credit Card Finder</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=30333</guid>
		<description><![CDATA[Owning a credit card can create a temptation to over spend if you don't manage your budgets correctly. We've put together a list of 10 tips that will help you better manage your credit card spending and repayments.]]></description>
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		<title>How To React To A Credit Limit Decrease</title>
		<link>http://www.creditcardfinder.com.au/how-to-react-to-a-credit-limit-decrease.html</link>
		<comments>http://www.creditcardfinder.com.au/how-to-react-to-a-credit-limit-decrease.html#comments</comments>
		<pubDate>Thu, 31 Mar 2011 04:00:33 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29798</guid>
		<description><![CDATA[A credit card limit decrease doesn't necessarily mean that you've done anything wrong, and it could just be a symptom of the times. How you react to a credit card limit decrease could be the difference between getting your old limit back, or not. Read on to find out what to do!]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Steps You Can Take to Improve Your Credit Score</title>
		<link>http://www.creditcardfinder.com.au/steps-you-can-take-to-improve-your-credit-score-2.html</link>
		<comments>http://www.creditcardfinder.com.au/steps-you-can-take-to-improve-your-credit-score-2.html#comments</comments>
		<pubDate>Wed, 30 Mar 2011 16:00:17 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29757</guid>
		<description><![CDATA[Improving a credit score can be a tough task but there are a number of different ways you can start. Using a credit card in the right way and managing the account correctly is one of the methods that does work. Read on to find out more...]]></description>
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		<title>Walking The Tightrope: Keeping The Balance Between Your Credit Card And A Mortgage</title>
		<link>http://www.creditcardfinder.com.au/walking-the-tightrope-keeping-the-balance-between-your-credit-card-and-a-mortgage.html</link>
		<comments>http://www.creditcardfinder.com.au/walking-the-tightrope-keeping-the-balance-between-your-credit-card-and-a-mortgage.html#comments</comments>
		<pubDate>Tue, 29 Mar 2011 04:00:38 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29656</guid>
		<description><![CDATA[Your credit card and mortgage payments should be treated evenly. This is so you can avoid paying more than needed for something. A consolidation plan or a micro-payment plan could work. Lets explore this in more detail...]]></description>
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		<title>What You Need to Know About Increased Credit Card Repayment Strategies</title>
		<link>http://www.creditcardfinder.com.au/what-you-need-to-know-about-increased-credit-card-repayment-strategies.html</link>
		<comments>http://www.creditcardfinder.com.au/what-you-need-to-know-about-increased-credit-card-repayment-strategies.html#comments</comments>
		<pubDate>Tue, 29 Mar 2011 00:33:36 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29727</guid>
		<description><![CDATA[Managing your credit card repayment strategies is crucial to maintaining your financial well-being. Following some tips on how to do it can make a difference and keep more money in your pocket.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How Frequent Credit Card Payments can Help you Out</title>
		<link>http://www.creditcardfinder.com.au/how-frequent-credit-card-payments-can-help-you-out.html</link>
		<comments>http://www.creditcardfinder.com.au/how-frequent-credit-card-payments-can-help-you-out.html#comments</comments>
		<pubDate>Tue, 29 Mar 2011 00:28:59 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29725</guid>
		<description><![CDATA[It's common knowledge that using a credit card has its benefits. What isn't so common is knowing exactly how making frequent card payments can get you even more benefits. Learn how to earn every incentive that you deserve from your lender.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Important Things all Credit Card Users Should Note</title>
		<link>http://www.creditcardfinder.com.au/important-things-all-credit-card-users-should-note.html</link>
		<comments>http://www.creditcardfinder.com.au/important-things-all-credit-card-users-should-note.html#comments</comments>
		<pubDate>Tue, 29 Mar 2011 00:25:25 +0000</pubDate>
		<dc:creator>Pritom</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29723</guid>
		<description><![CDATA[There are many things that are common knowledge to credit card users, but there are some credit card tips that may surprise a good majority of them regarding hidden fees, secret perks and more.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When to Switch or Not to Switch Credit Cards</title>
		<link>http://www.creditcardfinder.com.au/when-to-switch-or-not-to-switch-credit-cards.html</link>
		<comments>http://www.creditcardfinder.com.au/when-to-switch-or-not-to-switch-credit-cards.html#comments</comments>
		<pubDate>Wed, 23 Mar 2011 08:32:00 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29130</guid>
		<description><![CDATA[We are always told we can save money with a credit card switch, but is that always the case, or are there times where we would be better just staying put with the lender we're currently with?]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Basic Information That New Credit Card Users Need to Know</title>
		<link>http://www.creditcardfinder.com.au/basic-information-that-new-credit-card-users-need-to-know.html</link>
		<comments>http://www.creditcardfinder.com.au/basic-information-that-new-credit-card-users-need-to-know.html#comments</comments>
		<pubDate>Wed, 23 Mar 2011 08:31:55 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29122</guid>
		<description><![CDATA[Getting your first credit card is an exciting experience. You feel tempted and maybe even intimidated when you get the opportunity to spend credit at your will. But you need to be careful as the credit is really a lender's money which means and you need to pay it back. Read on for some tips on how to be a responsible card holder.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Things You Should Remember to Prevent You from Overdrawing on a Credit Card</title>
		<link>http://www.creditcardfinder.com.au/things-you-should-remember-to-prevent-you-from-overdrawing-on-a-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/things-you-should-remember-to-prevent-you-from-overdrawing-on-a-credit-card.html#comments</comments>
		<pubDate>Wed, 23 Mar 2011 08:31:49 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=29120</guid>
		<description><![CDATA[Overdrawing your credit card account is never sweet. You face terrible fines and charges and this is just the beginning. You can also run into financial trouble in the future. Here are some tips you can use to prevent overdrafting.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Can You Afford Your Credit Card?</title>
		<link>http://www.creditcardfinder.com.au/can-you-afford-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/can-you-afford-your-credit-card.html#comments</comments>
		<pubDate>Thu, 10 Mar 2011 11:52:35 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28575</guid>
		<description><![CDATA[Owning a credit card is a big financial responsibility and shouldn't be taken lightly. Before you agree to your first credit card, you should first take some steps to ensure the card is affordable, and will not get you into any monetary hot water. Owning a credit card is a big financial responsibility and shouldn't be taken lightly. Before you agree to your first credit card, you should first take some steps to ensure the card is affordable, and will not get you into any monetary hot water. Credit card debt is not just a problem for Australians, but a problem for consumers all over the world. Why is it that so many people get into trouble with their credit cards and how can we ensure that we stay out of trouble? The key is to making sure you can actually afford a credit card in the first place.
Rising Debt
Some people use credit cards under some strange impression that they are getting free money. The problem is that not only do you need to pay any money you borrow back, but you are also going to be subjected to interest charges if you pay your balance off over a period of time rather than paying everything off at once.

Due to interest charges, what starts as a relatively small debt, can quickly grow into something far larger and harder to control. That is when the real problems begin. So how can we make sure that when we take on a credit card we are not going to get ourselves into trouble?
The Affordability Check
The first thing you need to do is create your budget. Write a list of all money that you earn over the course of a month and a list of all the bills and outgoings you have in a month. You want to include things like food shopping in your list of outgoings as this is a regular and vital expenditure.

You then subtract your outgoings from your earnings and see what you have left. This is the money that you have spare at the end of the month once everything is paid for. In theory, this spare money could be used to pay off any credit card bills.

If you are only left with a small figure after the bills are paid, for example $50, then there is not going to be much left for paying a credit card bill. Especially one that grows in size due to interest charges. If you have a larger sum of money left for yourself each month, lets say $200, then there would be much more left for you to pay a credit card bill if you had one.

The argument here could be, â€œIf you have that money spare then why not make any purchases with cash, rather than credit?â€.

The advantage of using a credit card is that it allows you to shop online and gives you the freedom to not carry cash around with you. As long as you only spend on your card what you can afford to pay off in full at the end of the month, you should stay debt free. Using your credit card without seeing what you can actually afford to pay is a one way ticket to debts-ville.

Keep doing regular budgets (which you should really do routinely anyway) and you may find that as your wages rise, or certain bills are cut from your budget, that you have more money to spend on card purchases in the month. If that is the case, then by all means increase your credit card allowance. The key to staying in the black, is to stay in complete control of your credit card, and credit card spending. ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>5 Things You Should Never Do With Your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/5-things-you-should-never-do-with-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/5-things-you-should-never-do-with-your-credit-card.html#comments</comments>
		<pubDate>Thu, 10 Mar 2011 06:27:48 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28563</guid>
		<description><![CDATA[If you want to own a credit card, the first thing you should do is learn how to manage it properly. There is loads of advice available from just about every source you can imagine. The key though, is to avoid some of the most common errors that lead to big debt.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Know When It Is Best Not To Use Your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/know-when-it-is-best-not-to-use-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/know-when-it-is-best-not-to-use-your-credit-card.html#comments</comments>
		<pubDate>Thu, 10 Mar 2011 01:34:10 +0000</pubDate>
		<dc:creator>Credit Card Finder</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28206</guid>
		<description><![CDATA[Are you wondering when and when not to use your credit card? You are certainly not alone. Find out in more detail how you can avoid situations when it is best to say no. Read on to learn how...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Card Guide For Transactors And Borrowers</title>
		<link>http://www.creditcardfinder.com.au/credit-card-guide-for-transactors-and-borrowers.html</link>
		<comments>http://www.creditcardfinder.com.au/credit-card-guide-for-transactors-and-borrowers.html#comments</comments>
		<pubDate>Wed, 09 Mar 2011 21:57:03 +0000</pubDate>
		<dc:creator>Credit Card Finder</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28525</guid>
		<description><![CDATA[If you currently own a credit card, you will fit into one of two groups. You will either be the type of card holder that only spends as much as can be afforded every month and makes sure that the bill is paid in full or the other kind that carries a balance forward from one month to the next. The first kind can be considered a transactor and the second type, a borrower.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Know Your Money &#8211; A Guide to the Top 10 Best Selling Books on Finance</title>
		<link>http://www.creditcardfinder.com.au/best-selling-books-on-finance.html</link>
		<comments>http://www.creditcardfinder.com.au/best-selling-books-on-finance.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 06:43:48 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28697</guid>
		<description><![CDATA[Many of us seeking financial independence often look to the experts for guidance. Discover revealing and proven information to help you achieve wealth by using this guide as your reading list to lead you on your quest for wealth.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Things You Should Know Before Upgrading Your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/things-you-should-know-before-upgrading-your-credit-card-2.html</link>
		<comments>http://www.creditcardfinder.com.au/things-you-should-know-before-upgrading-your-credit-card-2.html#comments</comments>
		<pubDate>Tue, 01 Mar 2011 02:00:56 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28257</guid>
		<description><![CDATA[There are countless advantages to having a credit card. You have convenience and purchasing power tucked safely in your wallet. However, when you want to increase your purchasing power and upgrade your card, there are some things you should consider first.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What You Need To Know Before Destroying Your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/what-you-need-to-know-before-destroying-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/what-you-need-to-know-before-destroying-your-credit-card.html#comments</comments>
		<pubDate>Mon, 28 Feb 2011 20:00:14 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28241</guid>
		<description><![CDATA[There's absolutely nothing wrong with destroying credit cards and, in fact, it is something that should be done after you have finished using a credit card. However, most people just toss away their cards, with no thought to the possible consequences, such as theft and fraud. This is why it is imperative that you securely destroy any bank-related documents, from statements to your cards, or you might find yourself with more credit card debt than you know what to do with, even though you didn't conduct the transactions. Below, you will find some methods you can use to destroy your credit cards properly.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Suggestions for Credit Card Users Who Want to Save More Money</title>
		<link>http://www.creditcardfinder.com.au/suggestions-for-credit-card-users-who-want-to-save-more-money.html</link>
		<comments>http://www.creditcardfinder.com.au/suggestions-for-credit-card-users-who-want-to-save-more-money.html#comments</comments>
		<pubDate>Sun, 27 Feb 2011 05:00:19 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=27958</guid>
		<description><![CDATA[Many people consider a credit card to be a useful financial tool that they use to improve their cash flow, while others see it as the ultimate black hole for money. Generally, the former are savvy credit card users who know how to take full advantage of credit cards, while the latter are people who are in debt and are looking for a way out. No matter which camp you belong to, though, you probably want to save money on your credit card. Below you will find a few suggestions to help you achieve your goal.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/suggestions-for-credit-card-users-who-want-to-save-more-money.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using Cash Advances To Your Advantage</title>
		<link>http://www.creditcardfinder.com.au/using-cash-advances-to-your-advantage.html</link>
		<comments>http://www.creditcardfinder.com.au/using-cash-advances-to-your-advantage.html#comments</comments>
		<pubDate>Fri, 25 Feb 2011 20:00:34 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=27929</guid>
		<description><![CDATA[While you should definitely limit the amount of cash advances you get with your credit card, there may be times when you need to use your card for instant cash. Find out in this article how you can use cash advances to your advantage when you absolutely need to withdraw some money.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/using-cash-advances-to-your-advantage.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>20 Common Credit Card Mistakes</title>
		<link>http://www.creditcardfinder.com.au/5-common-credit-card-mistakes.html</link>
		<comments>http://www.creditcardfinder.com.au/5-common-credit-card-mistakes.html#comments</comments>
		<pubDate>Sat, 19 Feb 2011 22:52:03 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28275</guid>
		<description><![CDATA[There is nothing more convenient than having a credit card. One of the nice things is that you will never have to carry bundles of cash again. However, there are some pitfalls that you should look out for so you do not get stuck in a credit card mess.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/5-common-credit-card-mistakes.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>How a Joint Credit Card Can Help You</title>
		<link>http://www.creditcardfinder.com.au/how-a-joint-credit-card-can-help-you.html</link>
		<comments>http://www.creditcardfinder.com.au/how-a-joint-credit-card-can-help-you.html#comments</comments>
		<pubDate>Sat, 19 Feb 2011 22:51:55 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28283</guid>
		<description><![CDATA[There are quite a few advantages to a joint credit card. Most of them are advantageous to the person with the lower credit score, but in the end, the improvement can help both parties. This is especially true in cases of marriage where both parties share similar goals, but one has a less than great credit rating.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/how-a-joint-credit-card-can-help-you.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Things You Should Know Before Upgrading Your Credit Card</title>
		<link>http://www.creditcardfinder.com.au/things-you-should-know-before-upgrading-your-credit-card.html</link>
		<comments>http://www.creditcardfinder.com.au/things-you-should-know-before-upgrading-your-credit-card.html#comments</comments>
		<pubDate>Wed, 09 Feb 2011 01:07:23 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=28005</guid>
		<description><![CDATA[Upgrading a credit card does have its advantages. The most obvious being better rates and fees. If you are in the market for a new credit card then follow our guide on how to upgrade quickly and easily. ]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/things-you-should-know-before-upgrading-your-credit-card.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Pay Off Credit Card Debt Using the Snowball Method</title>
		<link>http://www.creditcardfinder.com.au/how-to-pay-off-credit-card-debt-using-the-snowball-method.html</link>
		<comments>http://www.creditcardfinder.com.au/how-to-pay-off-credit-card-debt-using-the-snowball-method.html#comments</comments>
		<pubDate>Thu, 03 Feb 2011 05:06:20 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=27762</guid>
		<description><![CDATA[Thinking about paying off debt may seem overwhelming, however, there is a method that is helping millions take control of their financial future. The snowball method is a popular method of tackling even the highest amounts of debt in a very simple way.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/how-to-pay-off-credit-card-debt-using-the-snowball-method.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reasons Why Paying the Minimum Monthly Payment is a Credit Card Mistake</title>
		<link>http://www.creditcardfinder.com.au/reasons-why-paying-the-minimum-monthly-payment-is-a-credit-card-mistake.html</link>
		<comments>http://www.creditcardfinder.com.au/reasons-why-paying-the-minimum-monthly-payment-is-a-credit-card-mistake.html#comments</comments>
		<pubDate>Wed, 12 Jan 2011 00:04:35 +0000</pubDate>
		<dc:creator>tim</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=27173</guid>
		<description><![CDATA[One common mistake among credit card holders is that they only make minimum monthly payments on their credit cards. Most people don't realise the fact that if they only pay the minimum each month, they end up wasting a lot of money on interest costs and other fees.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/reasons-why-paying-the-minimum-monthly-payment-is-a-credit-card-mistake.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Reconciliation &#8211; How to Reconcile a Credit Card Statement</title>
		<link>http://www.creditcardfinder.com.au/credit-card-reconciliation.html</link>
		<comments>http://www.creditcardfinder.com.au/credit-card-reconciliation.html#comments</comments>
		<pubDate>Mon, 13 Dec 2010 00:37:31 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=26729</guid>
		<description><![CDATA[Every month you receive your credit card statement. Do you ever do a credit card reconciliation? If not, maybe it's time that you start.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/credit-card-reconciliation.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reasons to Memorise Credit Card Information</title>
		<link>http://www.creditcardfinder.com.au/reasons-to-memorise-credit-card-information.html</link>
		<comments>http://www.creditcardfinder.com.au/reasons-to-memorise-credit-card-information.html#comments</comments>
		<pubDate>Mon, 13 Dec 2010 00:15:33 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Credit Card Management]]></category>

		<guid isPermaLink="false">http://www.creditcardfinder.com.au/?p=26718</guid>
		<description><![CDATA[Do you have the numbers for your credit cards memorised? Although it is often ignored, it is very important for you to know your credit card information and keep it handy.]]></description>
		<wfw:commentRss>http://www.creditcardfinder.com.au/reasons-to-memorise-credit-card-information.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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