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A recent survey of banking customers across eleven Asia-Pacific nations, by the financial services company Citi, found that fully 66% of Australians no longer take their finances for granted, and 42% were forced to make difficult financial decisions in the twelve months now past.

This was a common theme among the survey’s respondents. In Thailand, the number of people having to make difficult choices was 68%, making them the hardest hit of all.
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If you’ve already gone through the credit card comparison process and you’re ready to apply for a new card, you have a few different ways of doing that:

1.    Apply through the post (by filling out a print form)
2.    Apply over the telephone
3.    Apply online

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Everyone by now knows that many major airlines slap on a surcharge for travellers who pay with their credit card. But now some airlines are introducing “cashless cabins,” forcing travellers to purchase drinks and meals with a swipe rather than currency.

Which may cost a fee.
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Are you attached to your frequent flyer points? Could you survive without them? Does the thought of paying a three-figure annual fee for access to a rewards programme make you cringe? Which type of card is actually a better deal — no-frills credit cards that can save you money or rewards cards that essentially pay you for using your card? Let’s explore the benefits of both, so you know what to look for when comparing credit cards on your own.
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