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Credit Card Debt
Taking the wheel: 5 things to consider before taking a car loan
Posted on: 22 June, 2022
So, you’ve started going on a few test drives and your dream car is a little over your budget? Perhaps you need a car immediately so that you can accept a job opportunity, maybe you don’t want to pay outright for a car because of an investment opportunity. Whatever the reason, being well researche.....
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Category: Debt Tips
Credit Card Do’s and Don'ts
Posted on: 21 February, 2022
Bottom Line:
A credit card can be convenient to use when you’re facing unexpected costs such as an excess on a private health bill. Make sure to pay off the balance on time, pay higher than the minimum repayment, and not make cash withdrawals. Moreover, make a budget you can stick to and do your re.....
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Category: Debt Tips
How to Refinance Credit Card Debt
Posted on: 21 May, 2021
Bottom Line:
When you refinance a debt, what you are doing is revising or replacing the terms of your existing credit agreement. This could include changes to interest rates, repayment schedules, and/or other terms decided on in your original contract. Avoid future credit card debt by getting the ri.....
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7 Ways to Pay Off Credit Card Debt Faster
Posted on: 25 November, 2019
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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Can I Get a Loan with Bad Credit or No Credit?
Posted on: 17 July, 2019
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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How to Cancel a Credit Card the Right Way
Posted on: 03 July, 2019
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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How to Fix a Bad Credit History
Posted on: 19 June, 2019
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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What Happens to Debts After Death?
Posted on: 05 June, 2019
No one likes to think about their own death or that of a loved one, but taking steps to improve your financial situation today could prevent unnecessary stress for your family during a difficult time.
Family members are not usually responsible for paying someone else's debt, unless they are co-borro.....
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Category: Debt Management
Can a Balance Transfer Credit Card Get Me Out of Debt?
Posted on: 20 May, 2019
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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Am I Responsible for Someone Else's Debt?
Posted on: 22 April, 2019
Bottom Line:
Many people worry of being liable for their partner’s debt. This is not the case, but there can be certain situations where you agree to share or take on the financial responsibility. The best thing to do if this happens is to think carefully and talk to a financial adviser before taki.....
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Category: Debt Management