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With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.
Setting up Due Date reminders or a direct debit arrangement could be helpful if you want to develop a regular rhythm of paying off a credit card. Get a little taste of how credit card payments work.
It's important to remember the Due Date on your credit card statement. If you miss the Due Date, it could cost you in late payment fees or you could lose the benefit of an interest-free period.
Even if you only use your credit card sporadically, you should check the statement carefully.
Whether you decide to pay off the full Closing Balance, the Minimum Monthly Payment or an amount in between - it's important to understand the difference and what they might mean for your bottom dollar.
Your credit card statement will include a payment Due Date. This date is one to remember if you're keen to avoid late fees.
Brush up on balance transfers before you make a decision about a promotional balance transfer offer. Dig into these helpful tips.
Promotional balance transfer offers can vary – so it’s important to check the specific details (including terms and conditions) that apply to each offer.
If you're serious about paying off your personal credit card debt when you take up a promotional balance transfer offer, then you may want to press pause on all credit card spending.
A promotional balance transfer offer might sound tempting, but there are some things to look out for. Here are a few strategies you could consider if a promotional balance transfer offer is on the cards.
While the promotional interest rate on some balance transfer offers may seem appealing, make sure you read the offer and card terms and conditions.
Understanding credit card interest is a bit like running a bath. It’s important to keep your eye on it. Let’s dip into some helpful tips.
Before you apply for a credit card, it’s a great idea to have a think about how you may be likely to use the card.
If you make use of the interest-free period on your credit card and pay your full closing balance by the Due Date on your statement each month, you could avoid paying interest on your purchases.
While you can choose to simply make the minimum repayment on your personal credit card each month, doing so can come at a cost.
Stressed about tackling what you owe on your credit card? The way you organise your repayments could help.
What counts as a cash advance on a personal credit card at ANZ and why might you want to avoid them?
There are specific guidelines about when you can use your personal ANZ credit card for gambling transactions.
Right-sizing your credit limit to your budget could help you repay your credit card balance in full, every month. This could help you avoid paying interest on your credit card.
Just like fitness and food, there are good habits and bad habits when it comes to spending. To avoid credit card debt, it may help to evaluate where you stand.
A little knowledge can go a long way towards helping you take control of your budget and your credit card. These hacks could help you gain a new understanding of your spending habits.
Life can throw you some unexpected curve balls that may lead to unexpected credit card debt. A weekly budget pulse check could help manage credit card debt.
We may provide you with links to general articles and tools that may help you but any advice does not take into account your objectives, personal needs and financial circumstances and does not constitute financial advice or a recommendation. Before considering if any product is right for you, you should take into account your personal needs and financial circumstances and consider whether it is appropriate for you.