Fair Credit Reporting Act

What you need to know about buy now, pay later services

What you need to know about buy now, pay later services Take your product home, pay for it within the specified timeframe, get charged 0% interest. What could go wrong? Branded the modern-day layby, ‘buy now, pay later’ services essentially offer the same thing, except you get the product up front—the outfit, the watch, even certain domestic flights within Australia. If you haven’t heard of buy now, pay later services, or are keen to know …

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Digital payment options could see you spend more this Christmas

Digital payment options could see you spend more this Christmas With the festive season just weeks away, Australians are gearing up for the annual peak spending period, and the growth of digital payment options could be widening the gap between what we regard as our spending limit and the balance of our bank account. The disconnect between cards and cash Credit cards make spending (and overspending) very easy, and a new breed of “digital wallets” …

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Go easy on the plastic over Christmas

Go easy on the plastic over Christmas With the silly season fast approaching, it’s time to start planning how you pay for Christmas. From gifts to food, the tab can add up quickly. If this year is anything like last Christmas, on average we’ll each spend an extra $1,079 over the December/New Year period, and that’s on top of regular expenses. That makes now the time to draw up a Christmas budget. In addition …

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5 Rules to Use Credit Cards. Rules to use credit cards prudently.

5 Rules to Use Credit Cards. Rules to use credit cards prudently. Credit cards are a norm in the society today and it would be unfair to say that credit cards come without their benefits. They allow their carrier an effective way out of a rough financial situation. If you need cash for your utility bills and yet can’t seem to manage these bills because you are short on cash, credit cards help ease these …