Credit Card Articles

Free vs paid: how to choose between low interest or interest-free credit cards

Is it better to choose a low-rate credit card or take advantage of zero per cent interest introductory credit cards? Let’s explore both options and help to discover which type may suit your financial needs.

Can I transfer someone else's credit card balance to mine?

If you want to help out someone struggling with high-cost credit card debt, you may want to take on the responsibility of repaying the balance. Although not common, some card companies allow you to transfer debt from another person. Find out more about the transfer of credit card balance.

Heritage Bank Gold Low Rate

Balance Transfer

0% on Balance Transfers for 12 months

An ongoing low variable interest rate, plus lots of features, makes this one of our most popular credit cards.

Ongoing purchase rate ranked in the best 20%No Annual Fee

Purchase Rate

10.80

% p.a

Annual Fee

Late Payment Fee

$20

Go to site Heritage Bank terms and conditions

For cardholders who like to keep costs down, this low rate, low fee credit card may do just that.

What happens if my credit card is overdrawn?

If your credit card is overdrawn or you have hit your limit, new transactions will often be declined. Most card issuers will send you a text or email when you are about to hit your credit limit.

What happens to my credit card debt when I die?

You may be wondering whether your debt dies when you do. In many cases, it lives on and will need to be repaid before your family can inherit money.

How can I transfer money from my credit card to a bank account instantly?

If you need money in an emergency, your credit card is a great way to access some. Did you know you can make an online transfer from your credit card to a bank account?

What do I do when my credit card expires?

What happens if your credit card expires? Learn how to safely dispose of your old credit card to safeguard your identity and be protected from fraud.

Can you use a business card for personal expenses?

Getting a business credit card can be easier than a personal credit card. But can you put personal expenses on a business credit card?

How do I stop a payment on my credit card?

Stopping a credit card payment is easier said than done. However, once the payment is processed, you can raise a dispute with the credit card issuer.

Can you pay rent with a credit card?

You may have wondered whether it’s possible to pay rent with a credit card. The short answer is usually yes, with a couple of caveats.

What is the difference between a credit card and a debit card?

Simply stated, the difference between a credit card vs debit card is one is using borrowed funds versus using your own money.

What you should know about credit card instalment plans

Using a credit card instalment plan to repay debt can help with budgeting. Just beware of the fees and conditions.

How to lower credit card debt

Reducing credit card debt might not be as difficult as you may think it is. With the right information, financial discipline and planning, you'll be better equipped to lower your credit card debt.