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Credit Card Debt
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
Should I Take Out a Loan to Pay Off My Credit Card?
Posted on: 08 April, 2019
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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Will Bankruptcy Clear All My Debts?
Posted on: 20 March, 2019
Bottom Line:
Bankruptcy may seem like an attractive solution if you’re trapped under a mountain of debt that you can’t repay. It might be the right option in some circumstances but it is not the only option. You should be aware of other personal insolvency solutions such as a Debt Agreement or Pers.....
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Credit Card vs. Personal Loan: Which Is More Affordable?
Posted on: 26 February, 2019
Bottom Line:
Credit card use has increased by 46% over the past decade, while personal loans lag behind at just 17%, despite their lower costs overall. Personal loans are generally the better option for large or long-term expenses and they can have other advantages too. You should avoid using credi.....
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Category: Debt Management
Do You Have These Bad Credit Card Habits?
Posted on: 12 February, 2019
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: Debt Management
Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt
Posted on: 16 November, 2018
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 disrep.....
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Do You Really Need a Credit Card?
Posted on: 15 July, 2018
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 imp.....
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New Australian Credit Requirements
Posted on: 14 April, 2017
Applying for credit cards, loans and mortgages just got a whole lot harder – or easier, depending on how good you are at making repayments. With amended privacy laws, new national credit reporting requirements have increased to allow lenders access to a much more information about a customer’s fina.....
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Student Credit Cards Causing Risk of Bad Credit
Posted on: 22 November, 2016
Too Easy to Get a Credit Card?
New research has found that almost a quarter of Australians have signed up to a credit card as a teenager. The accessible nature of attaining your own credit card has fuelled warning that without the right education or guidance, this could easily lead to a debt spiral.....
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Mounting Credit Card Debt Could Be the Next Big Crisis for Households
Posted on: 07 October, 2016
Has your bank ever asked you to increase your credit card limit? Or did you ever think it was too easy to increase the amount you can spend on your card? These questions may resonate with a lot of Australian consumers and households, as the issue surrounding credit cards have been put under intense.....
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