Looking for a new card

Looking for online credit cards

I don’t know why I was resisting looking for credit cards before, but I just came across this site, www.OnlineCreditCards.com.au, and I’d never realised the variety of credit cards that are on offer. I used to just think that credit cards gave you a huge credit limit and charged a bunch of interest on top, but after seeing the products on offer at this site and reading more about credit cards, I think I may need to get one for myself.

There is this really useful page the site has where you can compare credit cards based on their major features. It seems stupid now, but I really had no idea what the interest rates on online credit cards were like. I just thought they were high, and I had no idea about interest free days on purchases. My parents were always suspicious of credit cards, so I guess I must have picked it up from them.

To be honest, with interest free days and the low interest rates that some online credit cards offer on the site, I find it hard to believe that credit card companies can make any money at all. I mean, as long as you repay your card in time to beat interest, your card should only cost you the annual fee each year to use. It’s not like the credit is money I actually have, so obviously I’d just use the card as convenient way of shopping online and keeping costs together. I really think I should seriously consider applying for online credit cards.

Online Credit Cards

Thinking about getting an online credit card

I’m getting sick of working through convoluted processes for paying for my online shopping purchases. I decided the other day to get a credit card so I’ve been looking online and recently stumbled across www.OnlineCreditCard.com.au.

It seems like a pretty good site, as it has this comparison page that let me compare credit cards really easily. I really wasn’t sure what I could get in an online credit card before, but now I definitely think i have a better idea of what could help me.

A credit card with interest free days would probably be a good option for me, because I want to just repay the credit card as soon as I have the money. It was pretty easy to find an online credit card with interest free days on the comparison page, as it was one of the main features you could compare. I’m not entirely sure how credit cards can make any money by offering this feature, but it certainly doesn’t worry me!

I haven’t quite decided which credit card I’ll go for yet. I might just look at everything on the site for a little bit longer. Some of the reward program credit cards seemed like good value, but I don’t know if I could resist the temptation to spend more in order to earn more reward points. I’m fairly sure using an online credit card will make payment for online stuff easier, though, so I guess I’ll take my time deciding on one.

new TV

had my mind set on getting an LCD TV for a while now, but I couldn’t get the money together and I was looking into my credit options. I ended up looking for a credit card on this Australian site that has a really good range of stuff, www.CreditCards.com.au.

I first thought had been to just ring my bank and ask what they had. I’m glad I didn’t and decided to look for an online credit card instead as there’s no way I would have gotten as good a deal if I’d gone to just one bank. I didn’t realise how little I knew about credit cards before, or about how credit card companies can offer deals that seem like they should run them out of business.

Anyway, I was going to just look for credit cards with a low cost and low interest rate at first, but after looking at the comparison page this site had, I decided it might be worth more consideration than that. I figured I could probably repay the TV back pretty fast but not within any interest free period, so low interest credit cards might be a good choice, but the amount of reward points a big purchase like a TV could earn got me interested in reward program credit cards.

I ended up looking in the ANZ credit cards page and found the ANZ Balance Visa. It seemed like the right credit card to get me to repay my TV, as it rewards for repayments instead of spending. It has interest free days and a pretty good purchase rate, so I think it’ll be worth keeping after the TV is paid off.

The best part was how little effort it all took, as the comparison pages on the site were linked to the credit card application forms. Once I’d decided what I wanted, I just clicked through and the rest of the process was pretty straightforward. I provided some details and then submitted the form. A couple of weeks later I’m watching my new TV and earning reward points as I pay off.