There are a lot of mistakes you might make as a consumer when it comes to using credit cards. But one of the biggest credit card mistakes can happen even before you apply for a card — not shopping around for the best deal. A credit card is a financial tool you’ll likely have for years to come, which makes shopping around for the right credit card even more important than shopping around for most things you’ll purchase with it.

Here are three important terms or features you should consider when shopping around for the best credit card deal. read more..

Do you plan on travelling this holiday season to visit friends or family? Then you know those holiday travel expenses can really add up. Don’t just sit back and take it. Find ways to save using your credit cards!

Here are four ways your credit cards might help you save money on travel this holiday season. read more..

On the surface, all debt might seem to be a bad thing. After all, we frequently hear people talking about how to get out of debt. But in reality, not all debt is bad. Some types of debt allow us to improve our situations and even see a financial return. Those debts are sometimes referred to as “good debts.”

Let’s take a quick look at the difference between bad debts and good debts and some examples of good debts. read more..

It’s easy to get caught up in spending during the holidays. Gifts, decorations, travel — it all adds up. And when consumers don’t have the cash on hand to cover their perfect celebrations, they often whip out credit cards to finance the extra charges.

That’s fine if you stay within your budget and can pay off your balance fairly quickly. But some people end up paying for the holidays for months to come — sometimes almost until the next holiday season. That’s what we call “holiday credit card hangover.”

Whether you have a first-hand familiarity with holiday credit card hangover or you simply prefer to avoid it this year, here are three tips you should keep in mind. read more..

Do you want a simple money-saving credit card? If you’re looking for low interest, balance transfer deals, and reasonable interest rates, you should check out the Bank of Melbourne Vertigo MasterCard. It gives you everything you need with an everyday great deal.

You can learn more about the Bank of Melbourne Vertigo credit card below and apply online today if it sounds like the right no frills credit card for you. read more..