When it comes to choosing a credit card, knowing what is right for you can be a really tough task.
For a start there are a dozens of banks that offer a whole range of credit card products that may suit your needs. But there are also a number of non-bank credit card providers. So how do you know which to go for?
A lot of people are quite wary of non-bank credit card providers as they dont get as much coverage in the media as banks. This is smart as not all credit card providers will offer the best products. However some are offering products that can be of great advantage to those in need of a credit card.
There are so many credit card providers in Australia that we couldnt possibly review them all, however we can narrow it down to banks and a select few non-bank credit card providers. At the credit card guide there are three non-bank credit card providers that we review.
The first that you may find The Credit Card Guide is the credit cards available from GE Money. GE Money offers a number of credit cards that are designed to suit different credit card spending habits and needs.
These credit cards include the Go MasterCard, eco MasterCard, Wizard Clear Advantage MasterCard, Low Rate MasterCard, and of course the GE Money MasterCard. All of these have been reviewed extensively and can be found at The Credit Card Guide website.
Youll also find the Woolworths Everyday Money Credit Card. This credit cards main objective is to provide credit to those in need, while promoting the sale of their products as well as that of their partner companies.
Rewards points are offered at a rate of up to three points per dollar when certain products are bought. Outlets include Woolworths and Safeway, Caltex, Big W, ePump, Thomas Dux, Woolworths/Safeway Liquor, Dan Murphys, BWS, Tandy and Dick Smiths.
If you have a Woolworths Everyday Rewards card you can link this to your Everyday Money credit card and use the two together to get maximum benefits while shopping and at the petrol pump.
We also review the Aussie MasterCard which comes very highly recommended for interest free credit cards and balance transfer credit cards. Its not often a non-bank credit card provider can offer a competitive credit card that isnt targeted to certain retail outlets or products, however the Aussie MasterCard does just that.
As a non-bank credit card provider it would be fair to say that Aussie is one of the best and is well worth checking out if you are in need of a good all round credit card.
So when it comes to the question of banks versus non-bank credit card providers, the question will always be asked, Can I trust this company? But the key is to do your research. Compare interest rates and know exactly how much you can afford and what it is you need from your credit card.
You can find all the information you need about over 90 credit cards at The Credit Card Guide, so make your credit card choice easy by checking out The Credit Card Guides no-nonsense credit card reviews now.
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Whether you’re getting your first credit card or simply want to benefit from a different credit experience, it’s important not to enter into anything too hastily. Researching the various credit card offers and discussing them with banks and/or private financial advisors is always a good idea prior to signing on the dotted-line. By the same token, it’s important not to neglect the many benefits of personal credit while you research your options.
When used responsibility, there are several benefits to credit cards, including the ability to borrow money without paying interest. Many credit cards charge 0% interest as long as you pay off your balance each month. Some banks allow you to borrow interest-free for even longer – for example, offering 0% interest for as long as 56 days. Furthermore, unlike other types of loans, credit cards allow you to pay off your balance flexibly, in whatever increments you’d like. Rather than having to pay a set amount at a set time every month, you can choose to pay instalments early, more frequently and higher than the minimum amount.
Two of the most underrated benefits of credits cards are how they encourage you to keep tabs on how much you’re spending and how they protect the items that you purchase. When you make large purchases on your credit card, you’re granted a greater deal of protection than with debit cards and can very often get reimbursed if the retailer you’ve purchased from goes bankrupt.
On your hunt for the ‘best’ credit card, it’s important to understand that what’s best for you might not be best for someone else. Thus, you can use your own credit needs and personal spending habits to help guide your toward the ideal credit card. Consider whether you plan to pay off your entire credit card bill each month, or if you think you’ll probably carry a balance from month to month. If you do think you’ll maintain a balance on your card, then you should look for credit cards with a low interest rate.
In addition to interest rate, it’s important to consider the limit you need for your credit card. If you plan to use the credit card to purchase big-ticket items, then you may require one that has a larger limit. However, if you only need the credit card for small purchases, there may be no need for you to have more than a few hundred pounds limit. Though your credit card issuer will consider your credit history when setting the card limit, it’s also important for you to consider how a limit amount that will allow you allow you to pay off your balance responsibly.
Jesse Wallace is the author of this article and is a part of a digital blogging team who work with brands like Barclaycard. The content contained in this article is for information purposes only and should not be used to make any financial decisions.
A Virtual Credit card is a Prepaid Credit card which enables you to use the online shopping facility in a very easy manner without giving out your private Credit card details with any of the websites offering different stuffs. There are many requirements to get a Credit card in Asian countries like you should have a bank account having a good Cash and if you are a Government employee then only you can apply for a Credit card.
Benefits of Virtual Credit Card
If you are an Asian then this Virtual Credit card enables you to send Funds to various people of the world. Its works as a VISA Card that means you can use it anywhere where in the world where VISA card can be used. This is a virtual credit card so stop bother about its condition and protection. A Virtual Credit card helps you to use the online shopping facility without giving out your credit card details with the shopping websites. You can control the balance on your card.
Why there is a need of Virtual Credit Card
In the today’s century the use of working online is emerging like a rising sun. People all over the world like to work online. Students are doing there all work online but due to some restriction from the online Bank i.e. PayPal. PayPal account holders from Asian countries like India, Pakistan, Nepal, SriLanka are not be able to send money from their PayPal account to other people.
Sometimes while working online you need to send the funds to other person then you need a Virtual Credit card to send Funds. But for a student getting a Virtual Credit card is really a tough work as they are not having monthly salary nor they are having more cash in their accounts. Now what will be the solution for this problem? Credit card is the only way for this problem. You just need Virtual Credit card and use it online for your daily routine or shopping like a real Credit card or a VISA card. A virtual credit card is a credit card that does not originally present. You have particular credit card number, an expired date and a 3 digit CVV code. You do not have a bit of plastic that you can give to a store mercantile.
Enjoy your shopping using Virtual Credit Card, VCC & Facebook VCC.
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