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We at Smart Credit Card can help find the best credit card for you. Looking to pay less credit card interest? We can find you the best balance transfer deal. Perhaps you want the best long term purchase credit card? No problem – we can help you find the best rate. Or, maybe you are looking to maximise your credit card rewards? Easy – we can find the most rewarding credit card for you.
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Anyone who likes to travel knows that it is sometimes quite difficult to travel on a budget. For the most part we focus on the main expense of a trip but not all the other expenses that quickly add up. If you like to travel and want to save money as you continue to do [...]
Do you feel sick every time you open your monthly credit card statement? Or do you lie awake worrying about how you’re going to pay the minimum monthly payment on your credit card this month? If so, you may be addicted to credit cards. Credit cards are very easy to use and it can be [...]
A credit card can be very handy when you’re overseas or if you want to buy something online from a foreign website. However, you do need to watch out for foreign transaction fees. Whenever you purchase an item in another country, your credit card provider will charge you a foreign transaction fee to cover their [...]
If you don’t qualify for an unsecured credit card because you’re only starting out, you’ve got a bad credit history or you’ve been bankrupt in the past, you may be wondering how you can build up your credit history when you can’t get approved for a regular credit card. Well there’s one way around this [...]
If you’re struggling to pay off your credit card debt and you’ve exhausted all other options such as balance transfer cards and personal loans, then entering into a bank agreement to pay off your credit card may be one step before bankruptcy. A bank agreement is when you enter into a repayment agreement with the [...]
Do you have trouble remembering your PIN?
One of the biggest credit card mistakes that you can make is to write your PIN on your credit card, or carry the PIN alongside your card in your purse or wallet. Even trying to disguise the number in your diary or on a scrap of paper will be discovered by a competent fraudster.
If your card is ever lost or stolen, having the PIN will enable a thief will be able to use your card at any ‘non signature’ card machine as well as using your credit card at an ATM to withdraw cash.
Always keep your credit card and PIN separate. If you have trouble remembering your PIN, change it to something more memorable.
Credit card spending in Australia is at a record high. The average credit card account balance was $3,251 in December 2009, compared with $3,145 in December 2008. According to RBA figures, Australians are paying interest on over $33 billion of credit card balances.
If you are paying interest on your credit card, have you considered switching your credit card provider? There are dozens of excellent balance transfer rates available in the market which could well save you money. Head online and use a credit card comparison site to find the most appropriate balance transfer deal.
Even if you manage to reduce your credit card interest rate by just 5%, on the average Australian card balance it would save you $160 every year.