A credit card can be both a blessing and a curse. Sure, it can get you out of some sticky situations, but it can get you into some even stickier ones. If you've found yourself in the red thanks to a shopping spree or unexpected bills, you'll want to be sure that your card has the lowest interest rate around and no sneaky fees. Our articles and guide will help you compare credit card providers so you can choose the best – and get out of debt faster.
Credit cards
Credit cards
Don't like debt? We'll help you find the best value credit card with the lowest interest rate.
Buying guides
How to choose the best credit card
Advice and tips to help you avoid falling into a debt trap.
Articles
Debt collectors often overstepping guidelines
Financial counsellors say consumers are being harassed by debt collectors who ignore the regulator's guidelines.
Sky-high Velocity Global Wallet inactivity fees costing customers hundreds
A radical change in the travel money card's terms and conditions has caught cardholders by surprise – and cost them plenty.
Keep safe lending laws intact, urge consumer rights groups
The bid to scuttle consumer credit protections reaches the Senate.
How do card chargebacks work?
We explain how to get a transaction reversed on your card and what you can do if you run into problems.
No interest, no late fees, no worries? NAB and CBA launch interest-free credit cards
The big banks' latest push back on the fintech sector offers young Australians a whole new way to fall into debt.
The 10 costliest credit cards in Australia – and why you should avoid them
With interest rates higher than 20%, these credit cards can really cost you in the long run.
The great credit card rip-off – and how much extra we’ve paid
The cash rate has dropped from 4.75% to 0.25% since 2011, but credit card rates have barely budged. We list the worst offenders
What never-ending credit card debt is doing to Australians
Easy credit – and the high interest that often comes with it – has tied many people to ongoing repayments they can’t afford.
CHOICE calls on lenders to cap interest rates for Virgin Velocity credit cards
The value of Virgin Velocity points is in limbo, but customers are still paying high interest rates on frequent flyer credit cards.
Low-interest credit cards
Why pay high rates with CBA, NAB, ANZ and Westpac?
The best frequent flyer rewards credit cards
We reveal the Top 20 frequent flyer loyalty credit cards for Qantas, Jetstar and Virgin.
Big banks refund $21m for loose credit card practices
Westpac and ANZ are issuing refunds following intervention from ASIC.
Refunds of $3.3m to be paid to thousands of credit card holders
Customers of at least four credit card providers over a 23 year period could be eligible for a refund.
Banks denying credit and loans to retirees
Closing the door on the creditworthy
Car finance options – which loan is best for you?
What to look out for and how to avoid car debt traps.
Credit card interest rates dwarf official rates
Consumers lose out to the tune of $3.49 billion since mid-2011.
Banks scurry to introduce online credit card cancellations
Commonwealth and NAB competing for an 'Australian first'
NAB: You can cancel our credit cards online – in days
NAB offer comes after CHOICE calls out big banks over hard-to-cancel credit cards
Credit card cancellation traps
Call, write or visit – but why can't we cancel a credit card online?
Credit rates from the mutuals
The difference between 8.99% and 13.99% can be huge over time.
Debt collectors dodging the rules
Consumers have very specific rights when it comes to debt collection – and it really helps to know them.
Bank fee frenzy
Banks collected $12.5 billion dollars in fees last year, with credit card holders especially hard hit.
ACCC gets the green light to enforce surcharge ban
Merchants now officially limited to the cost of card acceptance.
Goverment backs CHOICE recommendations on credit card reform
Clearer cost disclosure, easier cancellation, and more responsible lending.
Credit card surcharge crackdown
ACCC now has the power to investigate sky high surcharges.
CHOICE calls for clearer credit cards statements and ads
Confused consumers duped into high-interest cards.
Credit card schemes campaign to keep interchange fees high
Would you believe the claims that high credit card fees are good for you?
CHOICE represents consumers at Senate inquiry into credit cards
Interest rates are uncompetitive, and responsible lending regulations imposed on card issuers have failed to protect consumers, says CHOICE.
Best cashback and gift card rewards credit cards
We review and compare credit cards with cashback and gift card reward schemes.
Waving goodbye to my credit card
How one CHOICE journalist shut down her lingering debt for good.
Rising rates on low-interest cards from the big banks
The official cash rate has dropped but the big banks haven't been passing on the benefits to consumers when it comes to low-interest credit cards.
Banks part ways with official rate cuts
Credit card providers bypass rate cuts and rake in $2bn in interest.
Consumers cop high costs on credit card interest
Banks are making more from credit cards than from mortgages.
Should we be able to say no to tap-and-go technology?
A new app in New Zealand allows consumers to opt out of payWave and PayPass.
RBA credit card surcharging ban still widely flouted
Monitoring and enforecement remain a work in progress.
Payment card fraud and how to avoid it
Are we in the midst of a financial fraud epidemic?
Interest free loans and credit card balance transfers
0% financing can be tempting, but many deals turn out to be duds.
Tips to reduce credit card debt
Is your credit card giving you pain in the hip pocket?
Big companies charge excessive credit card fees
New research reveals the biggest companies slug customers the hardest.
Jetstar 0% interest rate trap
Jetstar has enrolled all its customers in a 0% interest rate promotion but there is a catch
CHOICE tells Senate it's time to end credit card confusion
Interest rates are uncompetitive and responsible lending regulations have failed to protect consumers.
Airlines still overcharging on credit cards
3 July 2015 | Australian airlines are collecting over $180 million in excessive credit card fees.
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Credit cards and loans
What to look for, what to avoid, and how to stay out of trouble when borrowing.
