When you compare credit cards, you probably pay attention to all of the specifics that matter to you as a consumer. For example, you likely compare interest rates, annual fees, and rewards programmes. But do you ever wonder what the differences are between the major credit card companies — like Visa, MasterCard, and American Express?

Should you choose one over another? Let’s look at what some of the differences are so you can decide if they matter to you. read more..

It’s important to review your credit card statement thoroughly each month. That’s the best way to find out about unauthorised charges to your credit card account, which can be a sign that you were a victim of identity theft or fraud. But what kinds of charges should you be looking for?

Here are some common types of unauthorised credit card charges you might find on your monthly statement. read more..

You know that your credit history is an important factor when credit card companies and other lenders decide whether or not to approve your credit applications. They consider things found in your credit file. But who actually manages that credit file?

That would be a credit reporting agency. Let’s take a look at what they are, what they do, and which ones you should know about. read more..

High interest rates are never ideal when it comes to credit cards. And cash advances can have the highest interest rates around (on just about every card). That might be enough to discourage you from using your credit card at an ATM to withdraw cash. But did you know that you might get charged your card’s cash advance rate for other transactions too?

These other charges that are treated like cash advances are called “cash equivalent transactions.” Let’s take a closer look at them. read more..

How would you like the spending power of a platinum credit card, but without the typical platinum-level annual fee? If you prefer up front savings over rewards programmes that make you wait until you “earn” your savings, you might love Bankwest’s no annual fee Zero Platinum credit card.

You can learn more about the Bankwest Zero Platinum credit card below if you want to check out its latest terms and features. read more..