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Citibank Has Ambitious Plans For Australian Credit Card Market
Global bank giant Citibank has ambitions to end the near total dominance of Australia’s Big Four banking groups on the consumer credit card market.
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Australian Central Bank Remains Reluctant Regulator Of Electronic Payments System
The Australian central bank, The Reserve bank of Australia (RBA) says it remains a “reluctant regulator” of competition in the electronic card payments system space. The RBA says it prefers competition as the mechanism used to contain fees, and would like to take a step back instead, however RBA assistant governor Malcolm Edey says it is not quite ready to do so.
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Australians Spend 22 Per Cent Less On Credit Cards In January
Australians spent nearly 22 per cent less on charge and credit cards during the month of January compared with the previous month according to new data from the Reserve Bank of Australia.
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Banks Fail To Pass On Interest Rates Cuts To Australian Credit Card Borrowers
New data analysing the movement in credit card interest rates over the last two years shows that Australian bank’s have been the main beneficiaries of interest rate cuts, having kept 85 per cent of the savings resulting from the central bank easing interest rates.
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Australian Credit Card Borrowers Face Higher Interest Rates
Australian credit card holders face the spectre of higher monthly payments as major lenders increase their interest rates in response to the central bank tightening official cash rates.
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Australian’s Increasingly Switching From Credit Cards Into Debit Cards
Australian consumers are increasingly transitioning away from credit cards and into debit cards instead, as concerns over personal finance become more acute, and major lenders engage in a big marketing push.
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Citi To Make Aggressive Push Into Australian Prepaid Credit Card Market
Global banking giant Citi intends to make an aggressive push into the Australian market for prepaid credit cards. The prepaid credit cards are typically issued by businesses who wish to reward their customers.
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Three Tips When Shopping For A Personal Loan
When used properly, personal loans are a great way to meet any funding shortfall that you may have. That is to say, forget about using them to pay for holidays or whatnot.
Funding luxuries are not the best way to use a personal loan. But if you have a genuine need to borrow $10,000, or an amount that a credit card is just not going to cover, then a personal loan is the product for you.
Here are three tips when shopping for a personal loan
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Three Benefits Of Using A Credit Card
Most of the personal finance pieces you read on credit cards are usually centred on mistakes made using them, and the great evil of carrying too much debt. In actual fact a credit card, if used correctly, can be an extremely useful thing to have, and can have a number of advantages.
So why so much online angst over credit cards? Well the very real overwhelming fear that most people have of being in over their head in debt. Others worry that having a credit card, whilst not resulting in too much debt, may lead them to spend more money than they ordinarily would.
A lot of people who don’t have credit cards, just don’t see the point or any benefit from owning one. So the purpose of this piece is really to show how credit cards, if used correctly can be really beneficial.
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Interest Rate Increases Cause Mortgage Delinquencies To Rise
Delinquent mortgage payments are set to increase during 2010, as borrowers struggle to deal with rising interest rates and high credit card bills run up during Christmas, according to global credit ratings agency Fitch.
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