Making your repayments on time
While the idea of putting through payments each month might not seem like such a big deal, credit can become a burden should you begin to fall behind.
Is it worth getting a credit card for the rewards?
One of the methods banks can use to increase the use of their financial products such as credit cards is association with a rewards scheme. Can you benefit without your debt stacking up?
Is it ever a good idea to choose interest free?
The allure of an interest-free deal is understandably strong, but like any form of credit, it always comes with terms and conditions, so it's important to do your research.
When should you not use your credit card?
A credit card can be a useful tool. But are there some times when it's better to refrain from pulling out that shiny plastic? Here we look at when, and when not to swipe your card.
Understanding car finance for buying a new car
Not everyone will have the cash available to pay for a new vehicle straight away. But how can car finance impact your credit history? Here we take a closer look.
Safe credit card use overseas
One of the most attractive options for travellers when taking money overseas is most likely to be the credit card. Here we look at how you can use your cards securely overseas.
What you should know before applying for a home loan
Taking out a home loan is common practice for many Australians, but there is a lot that goes into getting the nod from a credit provider.
Should I get a credit card?
Responsible use of a credit card without an outstanding balance or a series of late payments can act as an endorsement for future credit.
Using credit cards to build your credit profile
Credit cards can be an excellent way of building a strong credit history, as long as you stay on top of your payments.
Why have I been declined credit?
There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies may check your credit history alongside the information you have provided as part of your application process.
Understanding the new credit reporting system
Comprehensive credit reporting changes mean consumer credit reports can now include ‘positive’ credit information such as if you make your credit card and loan repayments on time. Previously personal credit files could only hold ‘negative’ information like credit enquiries (applications) and defaults.