Credit Cards

When paying medical or dental bills with a credit card makes sense, the interest and fees involved, and alternatives such as payment plans and negotiation.

Why credit card issuers reduce limits, how a lower limit affects your utilisation and credit score and the steps to take after a limit decrease.

Compare a debt management plan with a debt consolidation loan for credit card debt, including costs, credit effects, eligibility and when each option fits.

How transferring credit card points to airline and hotel partners works, how to compare transfer ratios and redemption values and which risks to avoid.

How phishing messages and card skimming devices steal credit card details, the warning signs to look for and what to do if your card is compromised.

What a negative or credit balance on a credit card means, how it happens, how issuers treat it and how to request a refund of the money you overpaid.

What happens when your credit card expires or is replaced, how recurring payments are affected, what to update and how to dispose of the old card safely.

How charge cards differ from credit cards in repayment rules, spending limits, fees and credit score effects, and which type suits different spending habits.

How credit card rental car damage cover works, the difference between primary and secondary protection, exclusions and what to do at the rental desk.

How complimentary travel insurance on credit cards works, what usually activates it, common exclusions and how to make a claim after a trip goes wrong.