Money Management
Refinancing When Your Equity Falls
Long gone are the heady days when you could sleep soundly in the knowledge your property portfolio would magically jump in value year on year. So what happens when it stalls or even drops? Is that it for your investment journey because the banks won’t go near you? Your Investment Property asked the experts to [...]
Using Your Credit Card to Pay Off Your Home Loan
How much does your credit card affect your ability to buy a house or refinance your mortgage? And is it possible to use your credit card to buy a house? This calls for a new blog post about your credit card and the castle you live in … or want to live in.
Is Mobile Banking Safe?
New advances in mobile technology have, for better or worse, changed the way consumers go about their everyday lives. Mobile devices enable consumers to keep regular communication with each other through their respective data networks. They likewise enable users to pay bills, play games, take and store photos, shop for various retail goods, manage their [...]
An Interview with the Creators of Pocketbook
Some of the most popular posts to have been published on The Credit Letter are about financial tools that are designed to help individuals and businesses manage their spend. For example, this one about web-based apps has been viewed many thousands of times since being published originally back in 2009. And this post about iPhone [...]
What Happens to Your Credit Card Debt When You Die?
There is a well known saying and it goes like this. There are only two things in life you can’t avoid: death and tax. Some would point to companies like Google and argue that tax can be avoided, but death? There’s no avoiding that one. You may think that your estate planning is in place [...]
5 Fatal Financial Mindsets
A Jedi mind trick is a persuasive tool, intent on leading the victim down a questionable path. Outside of the realms of Star Wars, it is not clever to live with a brainwashed mind set. When it comes to your money, these tricky financial mindsets can leave you completely out of control of your finances [...]
My Credit Card Application Hasn’t Been Approved Yet: What’s Up?
One of the most aggravating aspects of owning a credit card is getting it in the first place. You first have to decide which type of credit card you want, then you must see if you qualify for the card, then you have to fill out the application form, then you have to see if [...]
How to Effectively Manage Multiple Credit Cards
You might be a great at multitasking—drop the kids off from school, go to work, clean the house, pick the kids up, help with homework, make dinner, go to bed, and somewhere in there you find time for a shower. In other words, managing multiple credit cards should be a piece of cake. They are [...]
What Bank is Best for Balance Transfers?
In Australia we are fortunate enough to have a competitive banking market where there are many banks, big and small, vying to attract your business. When it comes to credit cards, there is one type that has proven itself as incredibly popular with consumers – the balance transfer credit card. Not only do consumers love [...]
What to do if Your Credit Limit is Reduced
If you’re unfortunate enough to have had the credit limit on your credit card reduced without warning, you might be wondering how it will affect you and what on earth you can do about it. In these financially volatile times, a change like this can be worrisome. Perhaps the worst part of all is that [...]
David Boyd
Andrew Boyd
St.George Vertigo MasterCard
ANZ First Visa Credit Card
Bankwest Breeze MasterCard
ANZ Low Rate MasterCard
Westpac 55 Day Platinum Credit Card