Credit Card articles

Credit cards are a topic of conversation often reserved for the “adult table” of life, but that does not mean you should avoid talking about them in front of kids.

In fact, it may be good to open up the discussion for young people so that they are aware of both the pros and cons of using credit.

There is a growing body of research showing that young people learn the bulk of their money management skills from adults around them. read more >

Are you brand new to credit cards and trying to learn more about them before applying for your first card? If so, you’re going to come across a lot of terms that might be unfamiliar to you. But they’re important if you want to understand credit card offers and your responsibilities once you have a card.

To get you started, we’ve put together a simple credit card glossary for credit card beginners and those looking for a simple refresher. Here are some of the most important credit card terms you need to know. read more >

If you’re a student or just someone interested in getting your first credit card, you might not have as many options open to you as someone with a more established employment and credit history. For example, you might only work part-time while you’re in school so you won’t meet the minimum income requirements for higher limit credit cards. read more >

Some consumers approach their first credit card as something to be taken lightly. They might apply for several in the hopes of landing one for example. Or they might just apply for the first credit card offer that comes along.

Both of those approaches would be mistakes. Why? Because choosing your first credit card isn’t something to be taken lightly. It’s an important decision and one that might stay with you for years to come. read more >

The idea of getting your first credit card can be a little bit exciting, and a little bit scary. The choice you make in a first credit card is an important one. It can affect your credit history for years to come and be the start of a long-term banking relationship.

Your first card might be a student credit card or simply a traditional credit card tailored to new cardholders (like the ANZ First Visa). Either way, keep the following considerations in mind when choosing your first credit card: read more >

Applying for your first credit card can be exciting, but also a little bit scary (with that first card comes new responsibilities). Many people keep their very first credit card for a long time (making the customer relationship very important), and a first card has the potential to lead to long-term credit trouble. Instead of applying for the first credit card available to you, it’s important to compare them carefully.

Here are some things you may want to look for in your first credit card:
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The prospect of getting your first credit card can be exciting. It can serve as a sort of rite of passage in your quest for financial independence and security. Your first credit card can also be a huge responsibility.

If you’re a first-time credit card applicant, don’t make the mistake of rushing to apply for the first credit card offer presented to you. Choosing a bank to do business with is a serious decision which can have long-term implications, and it isn’t a contract to enter into lightly.

There are several things you should do before filling out a single credit card application: read more >