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Credit card education

Credit cards come with some big responsibilities and it's a smart idea to wrap your head around how they work.

Budgeting and your spending habits

Get an understanding of your credit card spending habits by reviewing your bank statements or keeping a daily diary. Is your monthly spending higher than your income? What sort of saver or spender are you?

Is your credit card limit the right fit for your budget?

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.

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What are your spending habits?

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.

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Where do you sit on the spend vs save spectrum?

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.

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Tips for a weekly budget pulse check

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.

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Managing your credit card debt

It could be tempting to make only the minimum monthly payment shown on your statement, but this approach could end up costing you more in the long run and credit card debt could build up.

6 hacks that might help pay down credit card debt faster

Six strategies to help you pay off the balance in full each month so that you can avoid paying interest on purchases.

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Beware the cash advance

What counts as a cash advance on a consumer credit card at ANZ and why might you want to avoid them?

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Things to know about gambling and credit cards

There are specific guidelines about when you can use your personal ANZ credit card for gambling transactions.

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Interest on your credit card

If you want to pay less interest on your credit card balance – you might want to consider trying to pay as much of it as you can each month, while always being mindful of your other financial commitments.

Reviewing how you use your personal credit card

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.

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Got an interest-free period on your credit card? Use it wisely

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.

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The truth about the credit card minimum repayment

While you can choose to simply make the minimum repayment on your personal credit card each month, doing so can come at a cost.

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Paying off your credit card

It might be useful to develop a regular rhythm of paying off your credit card. Consider setting a monthly due date reminder on your phone or a direct debit to pay off your closing balance in full. Get a little taste of how credit card payments work with Poh Ling Yeow.

Things to know about your credit card payment due date

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.

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Getting to know your personal credit card statement

Even if you only use your credit card sporadically, you should check the statement of account carefully.

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The Closing Balance vs the Minimum Monthly Payment

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.

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Avoiding late payment fees on your credit cards

Your credit card statement will include a payment due date. This date is one to remember if you're keen to avoid late fees.

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Balance transfers

Brush up on balance transfers before you make a decision about a promotional balance transfer offer. Here, we provide some information that might help you better understand how promotional balance transfer offers work.

Balance transfer basics

Promotional balance transfer offers can vary – so it’s important to check the specific details (including terms and conditions) that apply to each offer. 

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Make sure a balance transfer works in your favour

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.

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Not sure which credit card is right for you?

Explore more about your card

For information about your ANZ credit card, select it from below to view rates and fees along with a range of tips to help you get the most from your card.