Credit Cards Articles

What is the purchase rate on a credit card?

The purchase rate is the interest you’ll pay on the overdue balance of credit card purchases, made in-store or online.

How to claim Qantas frequent flyer points on Emirates

Qantas and Emirates combined network is one of the most extensive across the world. The good news for frequent flyers is that Qantas frequent flyer points may be earned from Emirates flights, depending on the destination and the fare. 

How do credit card refunds work?

You may wonder how to get a refund processed and how long it might take to appear on your credit card statement. We've got the answers to all this and more.

What should you do if your credit card application is rejected?

Was your credit card application declined? Here are some reasons why that may have happened and what you can do about it.

How to read your credit card statement

f you’ve ever pondered all the figures, limits, summaries and warnings that are often included on your monthly credit card statement, we’ve put together a simple guide to help decipher this document.

What is a honeymoon credit card rate? Here's how they work

Fancy a financial honeymoon? While it doesn't involve being whisked off to an exotic destination, a credit card honeymoon period can offer an appealing introductory interest rate.

How to transfer Flybuys to Velocity Frequent Flyer Points

You can link your Flybuys account to your Velocity account and transfer your accumulated Flybuys points to Velocity points or set up an automatic points transfer.

How long does it take to transfer my credit card balance?

Balance transfer credit cards can be an invaluable tool for cardholders hoping to work off their existing card debt. But just how long does it actually take to transfer your existing balance over to your new credit card?

Which of my debts should I pay off first?

If you’re wondering which of your debts to pay off first, the answer is simple – whichever has the highest interest rate.

Five common credit card traps to avoid

Being a responsible credit card holder requires you to read the fine print and familiarise yourself with common credit card traps. Here are the common credit card traps that can turn your spending into bad debt.

Does applying for a credit card affect credit rating?

Applying for your first or next credit card is an exciting process. However, it’s worth knowing the potential risks involved, particularly for your credit score, whenever you apply for any credit product.

What are the pros and cons of a credit card?

Credit cards can be your best friend if you use them wisely but your worst enemy if you use them irresponsibly.

Making minimum repayments on your credit card: what you need to know

Racking up a large sum of debt on your credit card is easily done but paying it off with the minimum repayments is not.

PayPal versus credit cards: Which is the better online payment option?

One of the main drawcards to PayPal is that payments can easily be traced, unlike many other online payment methods. Credit card details are not held on the site either, so your confidential information is not exposed to any third party.

Are credit checks mandatory for credit cards?

In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.

The pros and cons of getting a higher credit limit

From time to time, your lender will proactively ask you if you’d like to increase the limit on your credit card. But should you agree?

What is a balance transfer?

A balance transfer is the process of transferring the debt from one credit card onto a new credit card.

Should you pay off your credit cards before buying a house?

It may be worthwhile paying off your credit card debt before buying a house, as this may make your mortgage application look better to a lender, and potentially improve your credit score.