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Credit Card Debt

7 Ways to Pay Off Credit Card Debt Faster

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. Create a budget Having a clear idea of where your money's going can help you to cut out the less n..... Read more

Category: Credit Card Debt

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

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 is bad credit? Your credit score is a number that tells lenders how likely you are to repay money y..... Read more

Category: Credit Card Debt

How to Cancel a Credit Card the Right Way

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 charged fees and penalties. Follow these steps to close your credit card account and stop making more cred..... Read more

Category: Credit Card Debt

How to Fix a Bad Credit History

How to Fix a Bad Credit History

This is your blog post. Start with an: Attention grabbing headline and Engaging first paragraph to draw readers in. At least one nice image to make the post visually appealing. Connect with your audience to increase online visibility with an engaging blog post related to what you offer. If your focus is on SEO, make your blog post at least 500 words. Google loves content, so the longer the bette..... Read more

Category: Credit Card Debt

Can a Balance Transfer Credit Card Get Me Out of 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 to help lower your interest rate and make your monthly payments more affordable. One of the most eff..... Read more

Category: Credit Card Debt

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

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, but there are a few things to consider. Advantages of a personal loan Consolidating debt with a pers..... Read more

Category: Credit Card Debt

Do You Have These Bad Credit Card Habits?

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 aged 25 to 39, the figure was even higher at 85%. If you're worried that you might not be using your..... Read more

Category: Credit Card Debt, Debt Management

Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt

Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt

If you've heard about the changes to credit card rules that are being introduced this year in Australia, you might be wondering how they apply to you. The good news is that these reforms are designed to protect consumers by preventing banks, credit card companies and other lenders from using disreputable sales tactics that encourage people to get further into debt than they can comfortably afford..... Read more

Category: Credit Card Debt

Do You Really Need a Credit Card?

Do You Really Need a Credit Card?

Australians are relying on their plastic more than ever. According to recent figures from JD Power and RBA, credit card use increased by 18% last year and the average credit card debt now stands at $1,990 per person, the highest in two years. If you're thinking about getting a credit card, it's important to check the terms and to consider your own spending and saving habits, or you could wind up ..... Read more

Category: Credit Card Debt