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How to beat credit card debt
No one likes to sit and talk about credit card debts; they’d rather be out shopping. But that’s how easy it is for innocent spenders to fall into harsh debts.
The first thing you should think about before getting a credit card is “Do I need one?” Many worry-free spenders are happy to use their savings and cash.
If you think that your needs definitely warrant one, consider how much you can afford to pay back each month. Many cards give interest free days, but after that, rates and late fees could skyrocket your debt.
If debts are getting out of hand, consider getting a lower rate card or even a personal loan to pay it off entirely. Then put scissors to plastic and ask your bank about their Visa or MasterCard debit card.
Use the table to the right to learn and apply for some of Australia’s lowest interest rate credit cards, all with balance transfer facilities to help you slow your debt.
Disclaimer
This article is over two years old, last updated on January 9, 2009. While RateCity makes best efforts to update every important article regularly, the information in this piece may not be as relevant as it once was. Alternatively, please consider checking recent credit cards articles.
Compare credit cards
0.00%
for up to 9 months, then 20.99%
0%
55
$0
Australian Credit Licence 286655
Fees & charges apply
- RateCity Exclusive
- Apple & Google Pay
- Balance transfer
- No annual fee
11.99%
Not Applicable
45
$0
Australian Credit Licence 229823
Fees & charges apply
- Apple & Google Pay
- No annual fee
13.74%
21.99%
55
$58
Australian Credit Licence 234527
Fees & charges apply
- Special
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
27.49%
Not Applicable
55
$0
Australian Credit Licence 392145
Fees & charges apply
- Special
- Apple, Google & Samsung Pay
- No annual fee
Product database updated 27 Apr, 2024
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