You’ve probably heard the terms “credit card fraud” and “identity theft” before. Maybe hearing those words even makes you cringe a little bit, because you worry about the safety of your personal information. But the first step to protecting yourself in these situations is to understand what each of these things actually is.

Quick tip: credit card fraud and identity theft are not synonymous, even though they’re often used that way. read more..

A new survey released by Citibank reveals that credit card rewards programs may not be worthwhile for many customers.

The report found 40 per cent of credit card users used their credit card despite having cash on hand, solely to earn reward points. Furthermore, 20 per cent of credit card users preferred not to redeem their points. The report also discovered cardholders are not utilising other discounts and privileges inherent with their credit cards. read more..

When you compare credit cards you’re not only bombarded with many offers at once, or even many credit card types at once. You’re also going to find a lot of different issuing banks that you have to choose from. Here at CreditCardOffers.com.au we even break down credit card offers by credit card company for you in case you want to do business with only select companies.

In the grand scheme of things does a credit card’s issuing bank really matter though? Well, that depends on what you’re looking for. In some ways the issuing bank or company is irrelevant. But sometimes it really is worth weeding out certain banks up front (or focusing on specific ones) in an effort to save time. read more..

Australian lenders have quietly increased the revert rate on balance transfer credit cards. The average for this interest rate, which is applied to balance transfers after the introductory period has expired, has increased almost 4% to 18.39% since December 2007. The revert rate is considered a “hidden” interest rate, as it is the higher rate that is rarely advertised, in comparison to the low introductory rate. read more..

Each month here at CreditCardOffers.com.au we try to help you sort through the most recent credit card offers available, highlighting the best of the best. You can always find these listed as “Editor’s Choices” on our home page, or get the best offers monthly right here on our blog.

If you’re in the market for a new credit card this October, we’ve got some great offers to share with you. After reviewing this month’s new and changed deals, here are our top picks and why we love them. read more..