• Reader Question: How Do You Use Your Credit Cards?
  

  The average Australian has been spending more with credit cards and maintaining ever increasing credit card balances. The question of how do you use your credit cards is all the more relevant during current financial conditions. Find out which camp of credit card user you belong to, and decide for yourself if that’s where you want to be.

• Credit Cards Now Offer 24 Hour Customer Service
  

  If you are one of the many Australians that has a hard time getting to the bank during the day, you will be pleased to know that most cards give you access to 24 hour credit card customer service. If you need to fill out an application for a credit card, then check out this article if you have a hard time doing your banking during the daytime hours.

• How To Securely Destroy Your Credit Card
  

  Having trouble on how to get rid of your card without compromising your security?Here is an article that suggests on the proper disposal of your cards – safely and securely.

• How to use a Chip Credit Card
  

  Are you confused by the new chip credit cards? Read our brief guide to understand how to use them when paying for your purchases at the register or in an EFTPOS machine.

• The Positives and Negatives of Paying Your Bills Automatically on Your Credit Card
  

  Paying bills automatically on your credit card can be both a good idea and a bad idea, depending on your circumstances. While there are definite benefits to paying your credit card this way, there are also some pitfalls of which you should be aware.

• How to Pay Your Credit Card
  

  Debt is now considered an ugly four letter word. It can reduce the most capable people to the depths of despair. There is hope, however, and paying down your debt can be managed with the right information.

• How To Close And Cancel Your Credit Card Account
  

  Staying on top of your finances can take some effort. It is not always easy to know what to do and when to do it. Using credit cards is convenient and can be a useful tool but when you are finished with them, it is important to know how to go about closing the account.

• How Long Should I Keep My Credit Card Statements?
  

  A credit card statement should be kept for as long as you need it in reference to how you have used the card. Personal card statements probably do not need to be kept as long as those used for business expenses. Regardless of how long you use the card it is very important to shred and dispose of them properly because old statements are primary targets for identity thieves.

• How to avoid spending more than you can afford to on your credit cards
  

  Having a credit card can be very convenient and useful for making purchases on the fly, however if put in the wrong hands it can be like leaving a monkey with a gun! Here are some useful tips to help you avoid overspending on your credit cards.

• Common Credit Card Errors That You Can Easily Avoid
  

  The cost of credit card errors is high for Australians. Many people are paying too much in interest, fees, and dealing with fraud simply because they did not take the time to figure out how to avoid these charges. There are a few mistakes that credit card owners make that you should know about and avoid at all costs.

• Dealing with your Credit Card after Losing your Job
  

  Many consumers are in the situation of having a credit card and losing their job. They don’t know what to do with their high interest debt. Here are some suggestions.

• Opt Out Of Credit Card Offers To Reduce Junk Mail
  

  In Australia, there are unfortunately only a few ways to opt out of receiving credit card offers in the mail. Read this article to read about the options available here, and in the US to opt-out of receiving junk mail to your home.

• How to Pay Your Credit Card Bill on Time Each Month
  

  If you struggle to pay your credit card bill on time each month, you could be paying far more than you think in interest charges and penalty fees. This can make it much harder to reduce your credit card debt and cost you far more money than you should be paying.

• Credit Card Info For Dummies, Beginners and First-time Credit Card Owners
  

  If you don’t know the first thing about credit cards and need some basic credit card info then this article is for you. Credit cards offer a brand new world of financial credit for people that qualify, and must be used properly to avoid acquiring debt.

• How to Deal with Financial Stress
  

  If you are suffering financial stress, there are some simple actions you can take to relieve yourself of your financial situation.

• How to Use Your Credit Carefully
  

  Once you have attained a credit card, you are presented with a financial responsibility to ensure that you use it carefully and in a sensible way that isn’t going to get you in to credit card debt that you can’t manage.

• What To Do If You Can’t Afford To Make A Credit Card Repayment
  

  If you are struggling to make your monthly credit card repayments each month, you should strongly consider switching credit cards to a lower interest credit card that fits within your budget.

• 7 Reasons You Hate Credit Cards
  

  Facing your fears is the first step to solving problems. Check out these 7 reasons why people hate credit cards and start your journey towards loving your credit card again.

• How To Safely Use Your Credit Card As Cashflow Between Pay Cheques
  

  Improper credit card management can mean trouble. Learn how to use your credit card as emergency cash flow between paychecks without getting into all that trouble.

• How To Never Pay Credit Card Interest Or Fees
  

  Credit card fees always cause stress.You could lessen the stress with these helpful information on different fees & charges on credit cards and how they can be avoided.

Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	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%