CREDIT CARD MANAGEMENT

Credit card management is seen as becoming extremely important in Australia over the next few years.  In particular, as the use of cash reduces daily and is replaced by credit card and Internet transactions, the management and control of these important financial tools will require extra focus, skill and knowledge from us all.

In the USA, the growing interest in the management of credit cards for low-income persons has led to the development of a significant growth in the number of training programmes offered in this area.  These types of training programmes have not reached Australia as yet to any significant extent.

Instead, everybody in Australia will have to find their own way of becoming skilled at knowing a "good deal" when it comes along.  Those deals that appear to be "high value" at first glance but actually have a "sting in the tail" once they have been "locked in", need to be instantly recognised as well.

This Credit Card Management page offers a few directions that you can use as starting points to explore the world of financial credit in Australia.  Hopefully, these will help you get onto the best deals around, so that you can best manage your credit cards.

Credit Cards Australia - http://www.creditcardsaustralia.com.au

Compare, compare, compare!

Are you confused with all the credit card offers out in the marketplace? 

CreditCardsAustralia.com.au helps you compare popular credit cards on offer before applying for the one that fits your needs. All credit cards in our database accept online applications.

Credit card offers are displayed so you can easily compare key factors such as lowest interest rates, lowest fees, 0% balance transfer rates as well as other features.

With more than 200 credit cards available in Australia, there’s bound to be one to suit you.

American Express - http://www.americanexpress.com/australia/

Form the web site:

Personal Customer Service

If you have a question or a servicing need you may find the answer on our website.

Customer Service online has information about:

• Using your Card
• Resolving a problem with a charge
• The Membership Rewards™ Program
• How to manage your account online
• Locate places where you can use your Card

Business Directory

Searching for information on Australian businesses that accept your Card is easy with the American Express Business Directory.

• Find locations all around Australia that welcome the Card
• Search by business name, location or even industry
• Locate merchants that offer exclusive Cardmember discounts

Business Customer Service

If you run a business we have information about services and products for you. Here you can find information about:

• Small Business Cards
• Accepting the Card at your establishment
• Corporate Services

Aussie Credit Card - http://www.aussiecreditcard.com.au

From the web site:

Since its establishment in February 1992, Aussie has grown to become Australia's leading non-bank lender, with operations spanning all mainland capital cities and major regional centres.

Founder and Managing Director of the Aussie Group, Mr John Symond, continues to be the driving force behind the group, which now includes a national mortgage broking service, which includes Aussie’s own brand of mortgages (Aussie Home Loans), Aussie Home Insurance and the new Aussie MasterCard.

Today, the company has a team of more than 1,000 staff and mortgage advisers nationwide and has indirectly created jobs for thousands of other Australians. The Aussie group is a totally Australian, independently owned company.  

In April 2005, Aussie has again pushed the boundaries in the financial services sector with the launch of a low rate credit card – which will inevitably heighten competition and provide Australians with a better deal. The Aussie MasterCard is the product of a joint venture between the Aussie group and ANZ. 

Whether you are eating out, travelling, shopping online or need a flexible line of credit to balance your budget, you can use your Aussie MasterCard at over 24 million locations across Australia and around the world.

Other uses of the Aussie MasterCard include:

• Access to funds via the CIRRUS ATM world wide network.
• Cash access - perform cash advances via any Australian or overseas branch or ATM* that accepts MasterCard.
• Shopping 24 hours a day - pay for purchases over the Internet or phone.

Bendigo Bank - http://www.bendigobank.com.au

From the web site:

A credit card should make your life easier by providing easy access to funds when you need to make a purchase. But it should also suit your needs and lifestyle.

Do you pay your credit card balance in full each month? Do you want a low ongoing interest rate? Do you want to be rewarded for using your credit card? Do you want an interest free period – up to 55 days? Do you prefer a Visa or MasterCard? Whatever your needs, Bendigo Bank has the credit card for you.

Commonwealth Bank - http://www.commbank.com.au

The Commonwealth Bank Group is Australia's largest domestic banking and financial services organisation offering a diverse range of products and services.