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What are credit cards

What Are Credit Cards and Should You Get One?

Credit card, plastic, whatever you call it – the age-old debate of credit cards continues to resurface, especially now with services like Afterpay and Zippay coming into the picture. So, what exactly are credit cards? Are they being edged out to make way for these new services? And are they actually worth getting? Let’s dive down into the world of credit cards to find out whether these plastic rectangles are worth the fuss. What are credit cards? Put simply, credit cards are issued by a financial institution and allow you to borrow funds like you would with a loan. If … Read more

What You Need to Know About the New Credit Reporting Laws Before Applying for a Home Loan

Comprehensive credit reporting has been voluntary in Australia since 2014, however, the Australian Government has recently ordered the big four banks to participate from July 1 this year. What is Comprehensive Credit Reporting? Comprehensive Credit Reporting (CCR) is just that—a thorough view of your financial history, which is inclusive of all your ‘good’ and ‘bad’ financial behaviour for all future lending. This includes your mortgage, credit cards, home loans etc. With an unprecedented volume of information now being collected on individuals under the CCR, positive behaviour is also recorded against your name – no longer ignoring all the regular payments … Read more

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