Loans and credit

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Falling rates might be great news for borrowers with a home loan but credit card holders have had little relief despite rates official rates dropping 3% in the last four months of 2008.

Who's stinging customers with unfair fees?

September’s banking column, “Pesky card fees”, hit a raw nerve with a number of Money readers. Ellis Prifti summed it up well when he wrote in to say bank fees are “like a mosquito – you only feel the itch when your get bitten and then it’s too late!”

Handling your HECS debt

To pay or not to pay — that is the question. When your income is high enough to trigger compulsory repayments of your Higher Education Loan Program (HECS-HELP) debt, should you be rushing to pay it off as quickly as possible or just pay the minimum amount?

Shopper's delight? David Jones' new credit card reviewed

Credit cards issued by retailers look like being the next big trend. Woolworths released its Everyday Money card in August and now David Jones has done the same — teaming up with American Express.

How someone stole my identity

I never thought I would be a victim of identity fraud. I shred documents that contain personal information, pick up new cards etc from my bank branch rather than let them be mailed, monitor my accounts online several times a week – the list goes on.

The end of credit as we know it

The October global financial crisis struck fear and loathing into western consumer hearts around the world.

Nasty card fees revealed

I’ll bet you wouldn’t like being charged a fee each time you make a payment off your credit card. You’d think the card issuer would be happy you’re repaying the debt — not slap you with a fee and justify the cost by saying it’s a payment handling fee.

Loan shark hunting: dodgy lending to be outlawed

Watch out, loan sharks! A national regulation being touted could wipe out dodgy lending practices in Australia.

Credit card fees exposed

Could it be possible that one major credit card issuer actually penalises its cardholders for paying off their balance in full each month?

Aussie credit cards slow to go green

With more than 14 million personal credit cards in Australia, there is mounting pressure from consumers for card providers to be more considerate of the environment.

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