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A credit card can be convenient and efficient, or it can be stressful and harmful to your credit rating.

If you’re thinking about buying a house or a car, your personal finances and your credit profile are critical. At EasyPlan Financial Services, we can help you carefully choose an affordable credit card that meets your needs.

The best credit card rate

The best credit card for you may not be the card with the lowest interest rate. For example, if you are using your credit card wisely and pay the full amount each month, you don’t need to worry about the interest rate. Most people have at least one credit card and another line of credit such as a car loan or mortgage.

Managing payments

The credit card is a powerful tool for managing your payments, too. Paying utility bills has never been easier but here again, the interest rate on the card can be punishingly high (over 20% in some cases) if the card is used unwisely.

The free period does not apply when you take a cash advance on a credit card, which can be one of the most expensive ways of accessing credit.

The best credit card rates for people who want to buy items and pay them off over time (for example, buying a holiday online) would be a card which offers a very low interest rate but not necessarily interest free days.

Our EasyPlan experts can help you the find the best credit card rates and deals in Australia for your individual needs.

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