Once you’ve got a credit card (or multiple credit cards, as may be the case) it can become easy to fall into a pattern of bad habits. With potential for bad credit card card habits to have a long-term impact on your credit score and your ability to borrow in the future. To keep your future finances looking sweet, let’s break those bad habits now!
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When it comes to choosing a credit card there are a lot of factors to consider – the interest rate and the credit card rewards are only the beginning. But what about the feel-good factor behind the card?
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If you’ve ever been researching credit cards, you might have come across something called a charge card. So what exactly is the difference, and why would you choose a charge card?
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Finding yourself tempted to add another credit card to your wallet? Before you do, there are a few important pros and cons to consider to decide whether it is worth your extra time – and the potential impact to your bank account.
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It comes as no surprise that the usage of credit cards has surged amidst the rising cost of living.
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No sugarcoating here - falling into credit card debt is scary. But it happens to the best of us.
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Even though many Aussies are reaching for their credit cards more than ever before, there’s still a lot of misinformation flying around.
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As inflation and rising interest rates put a strain on finances, it's not surprising that more Australians are turning to credit to help buffer their budgets. According to credit reporting agency Equifax, applications for new credit cards surged by 21%^ in the December quarter. Yikes!But a credit card can be an extremely useful financial tool to have at your disposal if you are savvy about when you use it, where you use it, and when to stop using it. And while it can be tempting to be drawn towards cards with flashy rewards points offers and extras like airport lounge access, these cards generally have interest rates over 20% p.a. Fortunately, there are some cards on the market with low interest rates on purchases, and some even come with low fees and perks. With this in mind, here’s our Editors’ round up of low interest credit card deals this month.
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As buy now pay later continues to be reviewed by Australian regulators, Westpac has launched a new credit card feature that similarly allows its customers to make credit card purchases in instalments.
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If you’ve got a trusty credit card in your pocket, you’re probably already familiar with most of the features and rewards that come along with it. Depending on which card you have though, you could be sitting on some seriously interesting perks that you don’t even know about.
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