It’s so easy to apply for credit cards these days. Fill out a quick online application and you can get a response in a minute or less in some cases. It’s understandable that some consumers might feel tempted to “over-apply” for these cards.

After all, why wait around and carefully compare offers if you can just apply for several at a time and take what you get? Or if you get denied for one card, why shouldn’t you immediately fill out another one of those convenient credit card applications online to try your luck again? Actually, there are several reasons. read more..

If you run a small business, you might have considered getting a business credit card. These cards, like the CitiBusiness credit card, offer a number of benefits that could help your company. Common examples are automated recordkeeping and business rewards (like frequent flyer points if you take a lot of business trips). Business credit cards can also help you grow your business by letting you finance large purchases needed for expansion.

Here are a few other business credit card benefits you might not have considered yet. read more..

NAB been at the forefront of customer-focused banking in recent years and has won a number of awards for slashing bank fees and introducing free email and SMS alerts for bills.

Last year the bank won a Canstar Innovation Excellence Award for stepping away from the usual bank practice of allocating credit card repayments to the balances attracting the lowest interest first.

By allocating repayments to the debt that attracts the highest interest instead they are enabling customers to pay off their most expensive debt first. read more..

While banks in general aren’t doing as well as they could for customer satisfaction, St George is showing the others how it’s done, coming top in recent Roy Morgan research.

So you know if you pick from the St George portfolio of credit cards you are going to be pretty happy with the service that comes with it.

And they’ve also got it covered when it comes to choice; read more..

Are you unhappy with one or more of your current credit cards? Whether you’re dealing with lousy customer service or higher fees and interest rates than you find acceptable, it might be time for a change.

If you decide to compare credit cards and find a better one, here are three things you might want to do during the process. read more..