When is the right time to pay off your credit card?
If you’ve been struggling financially and mentally with the pressures of credit card debt, you may feel the right time to pay it off was yesterday. But taking the steps today to pay down your debt is a better time than any to start.
How to check your credit rating
Applying for a home loan, credit card or mobile phone card? Whatever type of loan or credit you apply for, the decision to approve or reject your application will come down to your credit report.
What is the perfect credit score and how do I get it?
Many people don't give a lot of thought to their credit score until they need to borrow money. When you apply for credit, a lender will take into account your existing credit score to determine whether you are a high risk customer and how much money they should lend you. If they deem you to be high risk you could potentially be hit with higher interest rates or a straight-out refusal of your application.
No credit check credit cards
When you have a less than average credit score, searching for a credit card can feel like dodging an ‘approval’ mine field. However, you can still apply for a credit card online or in a branch with bad credit, and there are still credit card providers who will approve you – you just have to do your research first.
How to consolidate your credit card debt
Spreading your debt across different credit cards will only make it harder for you to manage, and means you will be accruing more interest rate charges. If you are feeling stuck between a rock and a hard place and want to break your credit card debt, consider consolidating your debt into one.
More stars file for bankruptcy
What do Mike Tyson and Donald Trump have in common? Bankruptcy can be declared for any number of reasons, and this just goes to show that no one is immune from financial trouble.
Budget travel tips for an insanely affordable holiday
RateCity has compiled a list of ten budget travel tips for an insanely affordable holiday.
What are the pros and cons of having multiple credit cards?
Many people love the convenience offered by credit cards. Rather than saving up cash over time to make a purchase, you can use your card to buy right now.
8 ways to travel without looking like a tourist
One popular piece of travel advice is to try and blend in overseas, and avoid looking like an obvious tourist. Not only can this help you appreciate the cultures of the places you visit, but it may also help you avoid some of the problems that some tourists experience while travelling.
8 tricks to cut down the cost of Christmas
RateCity has compiled a list of eight ways you can cut down the cost of Christmas.
Five money tips for travelling overseas
While it is possible to see the world on a shoestring budget, there are several ways that an otherwise perfect overseas holiday can be derailed by money problems, from losing access to your funds, to being charged more than you expected to access your accounts.
5 reasons you should cut up your credit card
Credit cards offer several advantages. For some people, though, those benefits come at a terrible cost.
Five steps to get out of debt
Whether you’ve racked up a huge credit card bill on your last holiday, or your home loan is getting the best of you, debt is something you can take control of if you follow a few simple steps.
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