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Credit Card Debt

Cut out debt: 10 Best Ways to Improve Credit Card Debt.

Sometimes life catches you when you are in a bind. For some, it could be an accidental mishap with your car or something in your home that needs urgent repairing. While credit cards can help alleviate some of your money woes, it can also lead you down a rabbit hole of debt. If your credit card de.....
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Category: Articles, Credit Card Debt

Credit Card Do’s and Don'ts.

A credit card can be convenient to use when you’re facing unexpected costs. This could be excess on a private health bill, loss in income or emergency surgery for a pet. For many people experiencing a difficult financial situation, a credit card may be the only option to borrow money. In Australia,.....
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Category: Articles, Credit Card Debt

How to Refinance Credit Card Debt.

You get your first credit card at 18, you make a few silly decisions because you’re young, and before you know it, you’re $10k in debt. You get another credit card to help pay off the first, but you can only afford to pay the interest, so your debt keeps growing no matter how much money you throw a.....
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Category: Credit Card Debt

7 Ways to Pay Off Credit Card Debt Faster.

Are you struggling to pay off one or more credit cards? High interest rates, fees and penalties can sometimes make credit card debt seem never-ending, even if you stop using the card, but there are always options. Read these 7 tips to help you pay off your plastic and break the debt cycle sooner. 1.....
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Category: Credit Card Debt

Can I Get a Loan with Bad Credit or No Credit?.

If you've got a low credit score, or you haven't built any credit, this can limit your options if you need to borrow money. Improving your credit score will improve your prospects, but this takes time. If you need money more urgently, you can compare non-conforming loans to find the best deal. What.....
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Category: Credit Card Debt

How to Cancel a Credit Card the Right Way.

Keeping a credit card active, even if you're not using it, can impact your credit score. But if you want to avoid annual fees, switch to a better deal, get out of debt or your card's been lost or stolen, it's important to make sure you cancel your card properly. Otherwise, you might still be charge.....
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Category: Credit Card Debt

How to Fix a Bad Credit History.

Are you worried about your credit history? If you've been rejected for loans, missed your monthly payments or had other financial troubles in the past, these could continue to affect you for years down the line. Understanding how your credit score works and what lenders are looking for is the first.....
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Category: Credit Card Debt

Can a Balance Transfer Credit Card Get Me Out of Debt?.

One in six Australians struggles with credit card debt, according to ASIC figures. People who miss their monthly payments can find themselves trapped in a spiral of debt with exorbitant fees and interest rates often as high as 20%. If you're burdened by credit card debt, you should compare options .....
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Category: Credit Card Debt

Should I Take Out a Loan to Pay Off My Credit Card?.

Australians owe around $45 billion in total credit card debt. Many people are trapped in a vicious cycle of debt with cards charging interest as high as 20%. If you're struggling under the weight of debt, paying off your credit card with a personal loan at lower interest could leave you better off, .....
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Category: Credit Card Debt

Do You Have These Bad Credit Card Habits?.

Most Aussies use their credit cards unwisely, according to a recent survey of 1,000 credit card holders by Members Equity Bank. 70% of people admitted to at least 3 out of 7 common bad habits that can lead to expensive charges, higher interest rates and spiralling credit card debt. For Millennials .....
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Category: Credit Card Debt, Debt Management