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.

Are you looking for trustworthy credit card advice?
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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