Credit Card Deals
How to find the best credit card deals
For the best credit card deals in Australia, you have come to the right place. We have done the research for you and have many cards featured that we believe are great deals. They are sorted by the features you want: low interest, balance transfer rates, low or no annual fee, and rewards. When searching for the best deal, we have suggested a few steps to make the process easier.
1. Know What You Are Searching For
The very first thing to consider when shopping for credit card deals is how you plan on using the card. If you use credit cards a lot, but pay them off every month, you may be more interested in the rewards program than interest and fees.
However, if you can only pay the minimum payment each month, interest is going to be an important consideration. Each cardholder is different and has unique needs. This is why we have sorted the cards according to specific features. Type in what you are looking for, and we will help you find it.
2. Decide If Rewards or Important
Some cardholders use their cards for all monthly expenses, pay it off, and earn rewards. There are various reward programs available, such as earning points towards airfare, travel, petrol purchases, and other items.
For the bigger rewards, such as airfare, it will take you some time to earn up to this point. If you are not going to use the credit card very often, you may not want to pay the higher interest associated with most rewards programs.
3. Take Your Time
Applying for a credit card is an important financial decision, and should not be taken lightly. Do your research, and read all the fine print in any offers you are considering. Shop around for the best deal. Using a credit card can be a good way to improve your credit history, but you don’t want to get stuck with one that does not fit your usual spending habits.
4. Visit With Your Current Creditors
If you already own a credit card, and are simply looking for a lower interest rate or balance transer, first consult your own creditors. These companies want your business, and are usually willing to work out something that would be beneficial to you.
One aspect of a good credit history is the length of time you have had accounts open, so working with your current creditors makes good sense.
If you follow these steps and use the tools available on this website, we believe you will be able to find the best credit card deal for you.
Published: 31 August 2011