Everything you need to know about the 2017 Boxing Day sales

Everything you need to know about the 2017 Boxing Day sales

With the biggest shopping day of the year approaching, Australian shoppers and bargain hunters are getting ready to hit the ground running this Boxing Day.

Boxing Day is a great day to grab yourself a bargain and get the gifts you were hoping to receive this Christmas, or to prepare for the coming work or school year.

Here’s everything you need to know about the 2017 Boxing Day sales.

Sydney

Sydneysiders looking to shop up a storm have plenty of options available, with all Westfield shopping centres open across NSW. Westfield City and Westfield Bondi Junction open from 7am – 9pm on Boxing Day, with Westfield Chatswood and Westfield Warringah Mall open from 8am – 6pm. Both Myer and David Jones in the CBD will be open extended hours during Boxing Day.

If you’re in the market for homewares or furniture, Supa Centa Moore Park is open from 10am – 5pm, and is home to stores like JB Hi-Fi, Bing Lee and Toys R Us.

Melbourne

Regarded as Australia’s shopping capital, there’s no shortage of Boxing Day bargains in Melbourne. If you’re looking for something more boutique, head to the Chapel Street precinct or try Bridge Road in Richmond. There’s a variety of retailers in both locations, ranging from local designers to big brand names like Marcs. Opening hours vary from store to store, but safe to say that doors open from 10am.

If malls are more your style, head to Melbourne Central, which is open from 8am – 10pm. As one of Melbourne’s top shopping centres, you’ll find brands including Calvin Klein, Bonds and Levi’s.

Other shopping locations to note are Southgate, along the banks of the Yarra River, Chadstone Shopping Centre and shopping along Bourke Street Mall.

Canberra

There’s more to Australia’s capital than politicians and museums. For a dose of retail therapy, head to Canberra Centre from 8am – 7pm. Westfield Woden will also be open from 8am – 5:30pm, and includes stores like Adairs, Bonds and David Jones.

If the already low prices at the Canberra Outlet Centre aren’t enticing enough, there will be further discounts this Boxing Day, with stores open from 8:30am – 6:30pm.

Adelaide

Adelaide’s Rundle Mall is home to over 700 stores, so there’s bound to something for everyone. Opening hours vary from store to store, but most will be open between 11am and 5pm. If you’re looking for outlet stores, try Adelaide favourite Harbour Town Adelaide, which is open between 10am and 5pm.

Westfield Marion, Castle Plaza Shopping Centre and Elizabeth Shopping Centre are not open on Boxing Day, but do reopen on Tuesday 27 December.

Brisbane

If you’re looking for a Boxing Day bargain in Brisbane, there is no shortage of options, as many malls, centres and arcades are open. If boutique stores are more your calling, head to Brisbane Arcade between 9am and 6pm, where you’ll find jewellery, designers and plenty of fashion.

The iconic Queen Street Mall is home to big names like Myer, Zara, H&M and Country Road, and is open between 9am and 6pm on Boxing Day.

If an air-conditioned mall is more your vibe, Westfield Chermside, Carindale and North Lakes are all open between 9am and 6pm, and Westfield Garden City and Helensvale locations are open between 9am and 5:30pm.

Perth

If you’re on the west coast and looking to hit the Boxing Day sales, here’s what you need to know.

Garden City is open from 9am – 6pm and has stores like Apple, Cotton On, Country Road and David Jones.

Westfield centres like Carousel and Whitford City are also open between 8am and 6pm. With big brand names and department stores like Myer, there is something to keep everyone entertained.

Other Perth shopping spots include Karrinyup Centre, which is home to David Jones and open between 8am and 6pm. Claremont Quarter is open between 7am and 9pm on Boxing Day.

Darwin

There’s many a bargain to be had in the Top End this Boxing Day. With Darwin classics like Casuarina Shopping Square open from 8am to 6pm, you’ll find stores like Kikki.K, Cue, JB Hi-Fi, Platypus Shoes and many more.

For an outdoor shopping mall filled with fashion, arts and crafts, cafes, Aboriginal art, locally made jewellery and tropical clothing, head to Smith Street Mall. Individual store hours vary.

Hobart

With the Sydney to Hobart kicking off alongside the Boxing Day sales, Tasmanians looking for a bargain will have plenty of opportunities to shop and save.

At Centrepoint Hobart, you’ll find a range of cafes and clothing stores like Noni B and Laura Ashley. Not every store is open, so it’s best to call ahead and check.

Tasmania’s largest shopping centre, Eastlands in Hobart, is home to over 90 stores and has over 1,445 free car spaces. Stores like Cotton On, Rebel Sport, Sussan and Surf Dive N Ski are open between 8:30am – 6:00pm.

If laneways and arcades are more your style, head to Hobart’s City Centre where you’ll find boutiques, local designers and big brand names. Individual store opening hours vary.

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Learn more about credit cards

Why should I check my credit rating?

There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.

Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.

How to get money from a credit card

You can get money from a credit card, but generally it will cost you.

Withdrawing money from a credit card is called a cash advance, as it operates more as a loan than a simple cash withdrawal. Because it is a loan, you may be charged interest on your cash advance as soon as you make the withdrawal. Interest rates are also usually much higher for cash advances than standard credit card purchases.

In addition to the interest rate, you may also be charged a cash advance fee. This could be a flat rate, or a percentage of your total cash advance. If you are considering a cash advance, make sure to add up how much it will cost you before committing.

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

How long does it take to get a credit card?

There are a few stages you need to go through to get a credit card; each one takes a different length of time.

Applying for the card online, over the phone or in person is the fastest step. This usually takes around 15 minutes, provided you have all of your documents handy.

After submitting your application, it usually takes between one to 10 business days for the lender to assess your eligibility. Some lenders offer instant approval, although you will need to send supporting documents before it is official.

Once your application has been approved, expect to wait between one to 14 days to receive your card in the mail. Keep in mind that delays can happen during busy periods, such as if the lender has launched a special deal.

How do I apply for a credit card online?

How to get cash with just a credit card number

Banks and merchants usually will not allow you to access cash without a physical card, because doing so would open up opportunities for fraudulent activities. Even most non-cash credit card transactions (such as shopping online) require you to know the expiry date and CVV on your credit card in addition to the card number.

However, some banks offer cardless cash for transaction accounts. Using a secure app installed on your mobile phone, you can log onto an ATM and withdraw the money you need. This could be a practical and secure solution if you don’t have a card and need cash.

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

How to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
  • In a branch.
  • Via your credit card provider's app.

What is CVV on a credit card?

CVV stands for ‘card verification value’, and is also sometimes referred to as a CVC or card verification code.

A CVV code is usually needed when the card is used online or over the phone as an anti-fraud measure. Without the cardholder being physically present to sign or verify the purchase, the CVV provides an extra layer of protection. 

If you’re using Mastercard or Visa, the CVV is the three digits located on the back of the card. If you’re using an American Express, the CVV is usually four digits and is on the front of the card.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here

How do you pay off credit cards?

The best way to pay off a credit card bill is to set a realistic spending budget and stick to it. Each month, you’ll get a credit card statement detailing how much you owe and how long it will take to pay off the balance by making minimum repayments. If you only make the minimum repayments, it will take you years to pay off your outstanding balance and add extra costs in interest charges. To avoid any extra charges, you should pay the entire bill. 

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.