Unsecured Credit CardsTop Unsecured Credit Cards For all types of credit

For those viewers looking for more tips on how to protect their contactless payment credit cards, check out some of the additional tips and a more detailed explanation on the tips mentioned on today’s show

It is possible to buy RFID readers online. If this gadget and the required software was to get into the wrong persons hands its entirely possible for this scam to occur here in Australia.

• The primary danger of having a contactless payment credit card is that your credit card is able to be used by someone else for transactions up to $100 without any pin or signature
• In the event that your card details were scanned by a fraudster with a card reader, your card could be used on websites that dont require the three digit CVC security code
• Its important to consider that a thief would get more value out of stealing your entire wallet, or your physical card itself. N

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Welcome to our week-long series on crushing your credit card debt. In this first of five articles, we look at the most important part of tackling credit card debtstop going into more debt

Without a doubt, the hardest part of getting out of credit card debt is avoiding new debt.

Our society has grown so accustomed to using credit cards that we use them without even thinking about it. The charges pile up each month to the point where we cant afford to pay off our cards in full. As our debt rises, we become even more dependent on credit cards just to get to the next paycheck.

To break this cycle, well have change many of our behaviors, attitudes and expectations. And the first step is to understand how we got into credit card debt in the first place. The changes will be significant, so let’s get started.

Not everyone sinks into credit card debt the same way. F

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The Queensland Country Credit Union Visa credit card is an excellent choice in credit cards. Because it is attached to the Queensland Country Credit Union, you will have access to excellent rates that are generally more competitive than other rates from traditional banks.

And, since it is a Visa, you will be in the company of over 1.5 billion card members from around the globe. There is no other card that has as many members.

Interest Rates, Fees Charges

Queensland Country Credit Union Visa Features

Every credit card is a little different so it is important that you find the card that is going to be best suited to your needs. Here are some highlights of what you will find with this card:

• You choose your design Everyone has different tastes and aesthetics. That is why Queensland Country Credit Union lets YOU decide what kind of card you would like.

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Q: My daughter just graduated from high school and I promised her a new laptop as a graduation present. Is there a certain credit card that is best for purchasing a new computer?

A: One option some stores offer for expensive purchases such as a computer is 12 months (or some other amount of time) same as cash. This is the way it works: you purchase an item, and you make monthly payments. As long as you make all your payments on time and pay it off within the promotional period, you don’t pay any interest. Zero.

However, if you miss a payment or don’t pay it off within the promotional period, interest is calculated from when you purchased the item, not from the end of the promotional period or from when you missed the payment. If you’re not sure if you can pay it off on time and you have a credit card with a lower interest rate, go with the card instead.

As far as actual credit cards, there isn’t necessarily one card that stands out as the best to buy a computer with. If you

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People with credit card debts and personal loan debts have been advised to first clear the credit cards which have the highest interest rates first.

The ‘Savvywoman’ editor Sarah Pennells, says that people should review the rates of their personal loans and their credit cards, and then first pay back the one which brings the most charges with it. If you do it this way to will make your money stretch further, as you will be spending much less time building up debt on the high interest rate cards.

She also stated that people often try to pay the smaller interest loans off first, but this is the wrong way to go about it. As she explains, you will be better off by paying the higher rates, as it will reduce the amounts of money you will owe.

A recent study also shows that people entering retirement age, are often facing much bigger financial struggles than anyone. 21

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I want to transfer my 7,000 credit card debt to one offering a 0% balance transfer so I can get it paid off more quickly. Although my credit rating is coming up as good, I keep being refused.

I am a single parent earning around 15,500 a year. I have only applied for one card in the past six months.

Do you have any ideas as to why my applications keep being declined? D.W., Birmingham

I put your question to credit card industry expert David Black, principal consultant (banking) at financial research company Defaqto, who suggested you may simply be a victim of the credit crunch.

Apparently one major card supplier is declining half of all the applications it receives and he believes the decline rate may be even higher elsewhere.

Black says reasons for refusal could be other debts outstanding or the fact that you might not have been in your job for long.

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