The holiday season isn’t that far away. Perhaps you’re already doing holiday shopping for friends and loved ones. Maybe you’re tight on funds this year or have more people than usual to buy for, and you aren’t sure how you’ll pay for everything you want to buy for them. If that’s the case, you might be considering applying for a new credit card to finance your holiday shopping. But should you? read more..

If you’re thinking about applying for a new credit card, you have several options. For example, you can fill out an application at the issuing bank. You could apply over the phone. You can even apply for credit cards online. Applying for credit cards online offers some of the same perks of other application methods, and some unique benefits.

Here are some of the reasons you should consider applying for credit cards online as opposed to in-bank or over the phone: 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..

When you apply for a credit card, the last thing you probably want to think about is the chance of having your application denied. But it does happen–even to people who pay their bills on time! However, you can minimise the chances of a credit card rejection by understanding some of the potential problems before you apply for a new card.

Here are several reasons your credit card application may be denied:
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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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