Loans and credit

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Choosing the cheapest credit card is a question of balance, writes Maria Bekiaris.

Christmas shopping? Leave the credit cards at home

Making shopping lists, sticking to them and paying cash will keep you out of trouble in the run-up to Christmas. But in reality, few people stick to these rules. So how can you ensure you're not drowning in debt come January? Gillian Bullock reports.

Cards or travellers' cheques?

Easy access to cash overseas is essential for travel-hungry Australians. But what is the best way to tap into your funds — the fantastic plastic, or the old-fashioned travellers' cheques?

Cards or travellers' cheques?

Easy access to cash overseas is essential for travel-hungry Australians. But what is the best way to tap into your funds — the fantastic plastic, or the old-fashioned travellers' cheques?

Why you should worry about online fraud

Using a credit card or conducting financial transactions over the Internet can expose you to fraud. It's a crime that is costing Australians millions of dollars each year as Gillian Bullock reports.

Low rates, big benefits

If you usually run a debt on your credit card, you need to look at switching to a low-rate card, writes Maria Bekiaris.

Credit card rewards

Credit card rewards aren't all about flying — choice has become the operative word with reward programs. Providers are increasingly recognising that customers may want to spend reward points in a different way. Majella Corrigan reports.

Zero-interest credit cards

A new crop of credit cards comes with quite a carrot — a zero interest rate if you transfer your balance to them. As Jeni Harvie writes in the April issue of Money magazine, this could be a great help if you feel you're buried under a mountain of debt.

Getting out of that financial hole

Surveys regularly show many people struggle to catch up with credit card bills after Christmas. It's not surprising that all that celebration and gift-giving is just too much for many of us. If your cards seem out of control, all is not lost. Money's February issue shows how you can get out of the financial hole and set yourself up so it doesn't happen next time.

Why we're paying more for credit

Just as the Australian Consumers Association predicted, retailers and services are taking advantage of the Reserve Bank's reforms enabling merchants to levy a fee on the use of credit cards. The intent of the changes was said to be to introduce a fairer "user pays" system.

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