The Credit Card Learning Centre
Learning Guides
 | A Beginner's Guide to Credit CardsCredit cards are a convenient and useful way of borrowing money to make payments, manage cash flow, earn rewards and enjoy other perks. They can, however, seem very complicated and daunting to first-time users. Before committing to a credit card it is important to understand how they function, the way interest rates and charges are applied, and the responsibility you have of repaying the credit you borrow. This guide outlines all the essential basics for beginners, providing information on how credit cards work and how you can get the … |
 | An Exhaustive Credit Card Glossary of TermsAnnual Percentage Rate (APR): The rate at which you will be charged interest on your credit card on a yearly basis. You can use the APR to compare the interest rates between different credit cards. Additional Cardholder: This facility will enable you to add another named person to your credit card account. The credit card service provider will issue them with a credit card which enables them to make purchases and withdraw cash advances from your account; however you are still liable for repayment of all their transactions and service fees. Airmiles: ... |
 | Credit Card Travel Insurance: Just How Good is it?A lot of credit cards these days come with complimentary travel insurance – a feature that can save you hundreds of dollars! But the question remains, are credit card insurance policies comparable to independent policies from companies who specialise in travel insurance? Let’s take a good look and find out some of the ins and outs and issues to be aware of! h3. What Does Credit Card Travel Insurance Have Going For It? Research has been done to give make an in-depth assessment of how credit card travel insurance stacks up … |
 | How to Get Your Personal Finances into ShapeManaging your personal finances is one of the most important parts of your life, helping you achieve your goals and preventing the stress of money worries. By taking control of your day-to-day financial affairs, accurately accounting and budgeting, you can successfully work towards your long-term aims in life. This article sets out nine tips on getting your personal finances in shape, key considerations for saving, growing and securing your money. h2. 1. Keep Your Accounts Up-to-date An essential part of getting your personal finances in shape is … |
 | The Consumer's Guide to Credit Card SecurityFor credit card providers and customers the issues surrounding credit card security are extremely important. As credit card use develops, particularly with the growth of online transactions, the threat and nature of fraud also evolves. It is important that banks, law enforcement agencies and the Australian Government are constantly updating their security measures applied to credit cards. It is also essential that card users are aware of how fraud operates and the steps to take to defend against such crime. This guide outlines how credit card fraud works and … |
 | The Definitive Step-by-Step Guide to Getting Out of DebtCredit Card Debt is on the rise in Australia. As you sit here reading this article there is around $33 billion of debt accruing interest. Not a healthy figure and if you’re in debt, you’re one of the people contributing to that mammoth figure. Saying that, if you’re reading this, there’s a good chance you’re feeling weighed down by debt and want to find out how you can reduce your debt and eventually become free from it! This is to be commended and will be well worth your while … |
 | The Guide to Credit Cards for ImmigrantsAs a new immigrant to Australia, no matter where you’re from, it can be difficult to get approval for a credit card application. The main reason for this is the issue of credit history. Your credit history or rating gives the card issuer an idea of how you will handle future credit. Credit card applications are processed & either accepted or denied largely on the basis of your credit history. Unfortunately, as an immigrant, you simply don’t have one. Even if you had a credit rating in your … |
 | The Guide to Credit Cards for StudentsFor many Australians time spent studying at college or university is the time when you first attempt to take control of your personal finances. An important part of this can be getting your first credit card. Before choosing, apply for and using a credit card it is very important to learn how they function, the pros and cons, how to compare them different deals and how to use them correctly. This guide outlines all the essential information, features, functions and other issues to consider when selecting … |
 | The Ultimate Guide to Balance TransfersBalance transfers are an important feature of many Australian credit cards, allowing cardholders to transfer their debts and repay them at a lower rate of interest. Credit card providers have devised a range of special offers including beneficial introductory deals to attract new customers to their products. Balance transfers provide the opportunity to repay debts at a lower rate, improve your finances and credit, and possibly save a large sum of money. This article outlines the principle features of balance transfer credit cards and the different types of offer … |