You have credit card debt. Maybe you even have so much credit card debt that you feel like you’re drowning in it. You’re paying late. Your credit card company is contacting you demanding payment. Maybe you’re even avoiding them or ignoring them, because you don’t know how to handle the situation. Or perhaps you’re not in a lot of credit card debt, but you’re sick of your less-than-ideal terms when you know you could be getting a better deal. read more..

Sometimes there are valid reasons for not being able to pay your credit card debts–or at least not being able to pay them right now. If life has thrown a financial obstacle your way, you may be stuck with more credit card debt than you can afford to pay. Rather than dealing with repeated letters, phone calls, or other debt collection tactics, there are things you can do to get on the good side of your creditors (or stop them from hounding you if their behaviour becomes an issue of harassment). Here are three of the options available to you for getting your bill collectors off your back: read more..

If you don’t pay off your entire credit card bill every month, you may be surprised to find out your payments may not be applied in the way you’d like (or even expect).
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Choosing a credit card is a big decision. You’ll be in a potentially long-term contract with a bank, and that credit card will likely play an important role in your daily life. You have to be able to choose the best credit card for your own needs.

Now let’s say you’ve already compared various banks and credit card companies, and you know the company you want to work with. As you’re preparing to apply for a credit card, you may find yourself facing yet another decision: which of the company’s credit cards should you apply for? read more..

If you owe money to a credit card company, and you’re paying a high interest rate on the balance, a balance transfer to a low rate credit card (like the St. George Vertigo MasterCard) may sound like an appealing solution. In fact, it can be. But those low interest rates (or 0% interest on balance transfers) are usually short-term offers–lasting six months for example. Compare current offers on some of Australia’s best Balance Transfers Credit Cards.

What’s to stop you from transferring the balance away from that new card as well, as soon as the introductory offer expires? Well, nothing really, unless you abuse the privilege that is. While bouncing your balance from card to card makes sense to you as a consumer, it doesn’t make sense to the credit card companies who fully intend to start earning interest after those first few months. read more..