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Credit Card Debt

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

getting a loan on bad 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. Wha... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips,  Debt Stress,  Financial Plan,  Loans,  Personal Debt Management,  Personal Loan,  Wealth Management

How to Cancel a Credit Card the Right Way

how to cancel a credit card

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... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips,  Personal Debt Management

How to Fix a Bad Credit History

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... Continue reading

Tags:  Bad Debt,  Credit Card Debt

What Happens to Debts After Death?

what happens to debt after death

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-borr... Continue reading

Tags:  Bad Debt,  Credit Card Debt,  Debt Advice,  Debt Agreement,  Debt Relief,  Debt Stress

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

credit card debt help

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 ... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Stress

Am I Responsible for Someone Else's Debt?

am i responsible for someone else's debt

Many people worry that getting married, being in a long-term relationship or the death of a spouse means they will be 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 all the responsibility. If creditors are demanding tha... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Management Tips,  Family Budgeting,  Financial Plan

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,... Continue reading

Tags:  Credit Card Debt,  Debt Relief,  Personal Debt Management,  Personal Loan

Will Bankruptcy Clear All My Debts?

what does bankruptcy mean

If you're trapped under a mountain of debt that you can't repay and being hassled by debt collectors, bankruptcy may seem like an attractive solution for wiping the slate clean. However, like any major decision, it needs to be researched carefully to make sure you know the risks. When you go bankru... Continue reading

Tags:  Bad Debt,  Bankruptcy,  Car Loan,  Credit Card Debt,  Home Loan,  Loans,  Personal Loan

Credit Card vs. Personal Loan: Which Is More Affordable?

credit card or personal loan

Whether it's paying for a holiday or Christmas gifts, Aussies are prone to reach for their credit cards when they need some extra cash. According to data from the Reserve Bank of Australia and Finder.com.au, the nation spent a total of $29.7 billion on credit cards in December 2018 alone, or $1,863... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips,  Personal Debt Management,  Personal Loan

Do You Have These Bad Credit Card Habits?

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 ... Continue reading

Tags:  Credit Card Debt,  Debt Management Tips

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