When you’re ready to compare credit cards, what kinds of things do you consider? You probably immediately think of specific card features like interest rates or rewards points. But think a little more broadly about it. When you do, you’ll find that the major factors that drive consumer credit card choices really fit into three main categories.

Here are three major factors that will come into most credit card choices, and some more specific examples of what they might include. While the specific factors tend to vary from one person to another, these general categories fit into most decision-making about new cards. read more..

There are many reasons you might want to improve your credit history. Perhaps you’re young and want to start building one. Maybe you’ve had debt problems in the past and you’re now ready to repair your credit. You might have decent credit already and simply want to improve it even more before applying for something like a new mortgage.

Improving your credit history can sometimes feel complicated, but it doesn’t have to be costly. Here are three free resources you can use to help you improve your credit history no matter what your reason is for wanting to do so. read more..

Have you ever applied for a credit card only to be denied? What did you do immediately afterwards? Some people get upset about it and give up on finding the right credit card. Others jump right back in and apply for another card, only to be denied again. The best option is to follow a path somewhere in between.

Let’s take a look at some things you can do if you ever have a credit card application denied. These steps can help you figure out what went wrong and what you can do to increase your chances of being approved the next time. read more..

The recent credit card reforms have highlighted just how much a credit card could really be costing us, with NAB one of the only banks to call for even more changes to give credit card customers a better deal.

To get a better idea of just how much additional fees can cost, here is a look at over limit fees and late payment structures that existing customers currently have to deal with. read more..

For those of us wishing for better credit card deals, more lenders to choose from or fairer repayment options, the industry is now one step closer to granting these three ideals.

Since November 2010, government talk of a Competitive and Sustainable Banking Policy package has received a lot of attention in the media and the start of July saw the Senate approve new consumer credit protection legislation as part of these reforms.

But just how will it impact on people? This guide gives and overview of what will change, who will be affected and when it will come into play. read more..