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What type of credit card is right for you?
Before accepting a credit card you need to consider how you will use it. This will determine the type of card that would suit you best.
Some credit cards will not have an interest free period for purchases made in subsequent months if the balance owing is not paid in full by the payment due date shown on the credit card account statement.
Check out the table below to find out what credit card features suit certain usages.
Intended use |
Features of the credit card that best suit the intended use |
The outstanding balance is paid in full each month and the card is not used for cash advances |
An interest free period - preferably one that uses the "due date" method to calculate interest on purchases. The second thing to consider when comparing similar credit cards is the cost of the annual fee. |
Some unpaid balance is left at the end of the month. |
A low interest rate and an interest free period. |
Unpaid balances are left at the end of the month and the card is used for cash advances. |
A low interest rate. You are likely to save more in lower interest rates that you could by choosing a card with a low annual fee. |
