• 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.

• 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 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.

• 22 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.

• FAQ: Top 10 Questions About Credit Cards
  

  Do you have a question about credit cards that you would like answered? Chances are we may have already answered them for you in our Top 10 Frequently Asked Questions about Credit Cards article!

• Credit Card Help – Tips To Take Control Of Your Credit Card
  

  Your credit card can be your worst enemy if you allow it to take control of you. If you find yourself constantly carrying a credit card balance, and only ever paying back the minimum interest repayment, you probably need help in managing your credit card. This article contains 15 tips that will help you take back control, and begin your journey towards debt-free financial freedom.

• Managing Your Credit Card During A Recession
  

  The world’s economies are facing tough times with many economies struggling to come out of the Global Financial Crisis unscathed and without experiencing a recession. Luckily, the Australian economy has demonstrated it’s strength and has kept it’s head above the water, however, it is important that you take measures to manage your credit cards during recessionary periods to ensure you also survive the added pressure caused by the GFC.

• Step-by-Step Interest Maximisation Strategy
  

  We have mapped together a 4 step strategy to maximising your interest that you earn on your savings. Our strategy involves using a 55 day interest free credit card, and a high interest savings account, to maximise interest.

• How To Manage Multiple Credit Cards – Is One Enough?
  

  Having more than one credit card may at first seem like a bad thing. If you use your credit cards sensibly, the strategy of having multiple credit cards can help you cut down interest, and have cash flow available when you need it, to help pay unexpected bills and cover unplanned expenses.

• Credit Card Glossary – Dictionary Definitions of Common Industry Terms
  

  Credit Card Finder® glossary of credit card related key terms including full definitions

• How Secure Is Internet Banking?
  

  For many Australians internet banking is a part of their everyday online routine. After checking e-mails and browsing through the latest Google News stories, internet banking is one of the most popular online activities. What many people don’t realise are some of the potential threats that exist to the protection of your personal information. Our article answers the question – how secure is internet banking? and provides useful tips and links to websites that will help protect your important financial information when banking on the internet.

• How to Read a Credit Card Statement
  

  If you misunderstand your credit card statement, you could either be paying more than you really need to, or even think you’re in a worse position than you actually are.
  While it’s mostly common sense, all it takes is one misunderstanding to get confused and pay the potential consequences or credit damage or fees.

• Does Cheap Credit mean Less Responsibility?
  

  For those who aren’t really affected by the looming ‘recession’, cheaper credit cards may simply be an additional luxury rather than a compensation.
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  But are lower interest rates all you need to worry about? See here for other fees and traps you’ll need to be on the lookout for.

• Minimum Repayments – Avoid Unless Necessary
  

  There’s a simple relationship when it comes to consumers, credit cards and banks. Consumers will want to repay their debt as fast as possible, saving you money. Banks will want you to prolong your balance for as long as possible, increasing their profits.
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  Minimum repayments are a favourite for banks – they are the epitome of credit card balance extending.
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  Find out why you should avoid minimum repayments at all costs.

• Credit Card Statements: Online vs Paper
  

  Credit card statements – to some, they’re simply another balance paid in full, while the rest maybe biting their fingernails in post-holiday spending stress.
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  Most financial providers have opted in for the option of receiving your credit card statement online.
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  Find out the advantages of both forms of statements here.

• 4 Credit Card Fears: The Irrational & The Valid
  

  Everyone likes to have their own skepticism and doubts about security. Credit cards are no exception – through the media, family and friends we are frequently misled about financial security.
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  Click here to find out four popular irrational credit card fears, and four very valid and real worries.

• Top Credit Card Tips for 2009
  

  2009 is just around the bend, and so are the opportunities to take a new stand and mindset on your credit. Find out a few of the best tips and strategies for your new year credit card.

• How To Finance Your Next Purchase
  

  Being short of funds doesn’t necessarily mean you can’t finance your new purchase. This article explains the different ways on how you can finance it.

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%