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Managing Personal Finance Has Never Been Easier

1 June, 2011 By Leave a Comment

Managing Personal Finance Has Never Been Easier

Managing personal finance may not be everyone’s cup of tea, especially for those who have no experience in business and management. An accurate financial plan will ease your work and guarantee a successful completion of your financial goals. Here, on our website, we provide helpful information for an accurate finance comparison that will obviously make your work easier.

Managing personal finance may not be the easiest job. If you are one of those who manage their finances themselves, you will surely not find this activity as being the most enjoyable in the whole world. It requires a lot of time and attention, but it is indispensable to your or your family’s financial well being. You can find a helping hand here, on our website, where you have the updated information you need in order to do a realistic finance comparison.

A key component for efficient management of your personal finance is financial planning. This dynamic process requires regular monitoring and reevaluation. Otherwise, you risk missing points of evaluation and this could damage your finance control. You should keep under control this circular process by repeated verifications and intelligent manipulation. The following five steps should organize and make your planning easier.

The first step is an assessment of one’s personal financial situation. You will do it by compiling, onto a piece of paper, all the personal assets, income and outcome. You should use a simplified balance sheet for listing the values of personal assets (for instance, car, house, stocks and bank account) along with the values of liabilities (such as credit card debt, bank loan and mortgage). Moreover, you should make sure you list personal income and expenses, on a personal cash flow statement form.

The second and most enjoyable step is setting the goals. With this stage, one should formulate his or her material desires in a financial language. You can set long-term goals can such as retiring at 65 years old with a significant personal net worth. You can also make short-term plans, for example: buying a house or a car by paying a monthly mortgage for 3 years but no more than 25% of monthly income. You can also establish several goals both long and short-term, in the limit of your financial resources.

After setting the goals, you must develop an efficient plan in order to accomplish them. The plan should detail the exact actions that you need to undertake. This is the third and most difficult part of your personal finance management as it asks for thorough research for the most convenient loan, investment or mortgage deals. An easy way to approach this matter is by using the services we offer here, on our site, where you will find thousands of updated offers available for adequate finance comparison. In this manner, you can avoid or diminish planned financial sacrifices such as reducing expenses or increasing your employment income.

Execution of one’s personal financial plan, monitoring and reassessment are the fourth and, correspondingly, fifth steps in efficient personal finance management. Discipline and perseverance are necessary for accomplishing this part of the plan. As time passes, conscious fulfillment of every action included in the financial plan must associate with continuous monitoring and reassessment until the fulfillment of the financial plan.

Managing your personal finance has never been easier. With access to all the pieces of information you need, you can do a realistic finance comparison and you can develop a more efficient personal financial plan. Here, we offer you the possibility to compare thousands of offers on credit card, loans, insurance and investment deals in UK and not only.

Here, on our website, you will find accurate information on all credit card, loans, insurance and investment deals you can use for an efficient finance comparison. Personal finance management has never been so accessible.

Liza Mathers currently serves as personal finance editor of a popular UK Personal finance comparison site called Seek4finance.


During her 9 years in journalism, Liza has won a series of award for her personal finance journalism, ranging from awards for campaigning journalism, business scoops, all-round personal finance knowledge and her proven ability to explain personal finance in simple plain English.


In a nutshell, Liza puts the consumer, not the personal finance industry, first.

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Kotak Credit Cards ? The Cards With Royal Elegance

1 June, 2011 By Leave a Comment

Kotak Credit Cards ? The Cards With Royal Elegance

Do you still remember the first credit card you owned – was it when you were in college, or was it after you joined your first job? Or was it presented to you by your father as a add-on card. 90s saw the year of the launch credit cards. Simple with yearly charges on them, these were not for everyone. In fact, keeping a credit card was a status symbol.

Today, things have changed. With the credit card business mushrooming, quite a percentage of people can be seen with a credit card. Tinsel and almost cost free, credit cards today a part of life. They almost posses the lifestyle of an individual. From shopping, travelling, fuelling, lunching out, holidaying, beautification – credits cards have a place everywhere. They are simply – life!

So, how does it turn out to you, when you click on a card which fulfills almost all your requirements – be it your home, business, meetings, shopping and so on…. How does it feel when you come to know that a single card has the power to change the way you live! Does it make you blink your eye?

Kotak Credit Cards offer you just the same – status, comforts, privileges and discounts. Be it the 5star restaurant you are dinning in, the Thai Resort you are staying in, the Spa you are relaxing in or the Jet you are flying in or the shop you are shopping in. Kotak cards have a lot to make you feel like the most privileged person on earth.

From the free BMW ride to offs on car rentals, discounts in Taj to membership in royal clubs and lifetime complimentary Kaya Skin Consultancy, these cards have all to make you feel at ease – whether you are home or outside home.

Enjoy the luxuries of life with royale credit cards of Kotak with privileges like membership to Golf Fee Card at 24 Indian Golf Fee Card and priority pass across 500 International lounges worldwide. Choose from the exclusive offers given out from time to time like Emporio Armani Designer Watches, huge discounts on bookings with makemy trip or cash backs. With offers like this, you can say, things are really different with Kotak Credit Cards. So, if you don’t own a Kotak Credit Card, get one now and indulge yourself in the luxuries of life.

 

For more information on platinum credit cards and kotak credit cards please visit kotakcards.com

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Credit Bureau And Credit Cards

31 May, 2011 By Leave a Comment

Credit Bureau And Credit Cards

Most of us use credit card. Most of us are aware of the fee structure, discounts, add-on features linked with the credit card, but, very less of us are aware of the names – Credit Bureau and CIBIL.
Credit Bureau is a repository of credit information of all customers of its members, including banks and financial institutions. CIBIL or Credit Information Bureau of India Limited is an organization which collates credit information contributed by its members, helping the lenders to take credit related decisions. In short, CIBIL contains information only on loans and credit cards.
CIBIL has been created to catch up with the credit defaulters. CIBIL has a list of credit card holders – irrespective of the nature of customer – defaulter or non – defaulter. It is source from which a credit card company can gather information about the customers who have availed loans or have a credit card. This makes easier for a bank to list out the defaulters and catch them. Almost all the top credit card companies have their clients enlisted in CIBIL.
CIBIL in itself is just like a beneficiary account, where the benefit of keeping a good credit record goes to the credit card holder or credit taker. Generally, the CIBIL report consists of information like name, address, and date of birth, phone number, passport number, voter’s ID number, PAN etc. of the customer or the loan availer. All this information helps the bank in verification of the client. The report generated by CIBIL, helps the loan issuer (the banker or the loan issuing institute in this case), take a prudent decision.
Institutions like Credit Bureau and CIBIL have been developed to keep a check on both – Customers as well as Banks. Institutions like this indirectly keep a vigil, thereby checking on the frauds. So whenever you take a new credit card, remember that there is a eye which keeps track of your spendings.
Kotak Mahindra Bank, one of the leading Banks of India, too offers credit cards. These cards with their lifestyle features, offer schemes which help you keep a tap on your spendings, thereby making a intelligent spender and non – defaulter for lifetime! To know how, just step into the world of Credit Cards by logging on the Kotak website…

For more information on business credit cards and gold credit cards please visit at kotakcards.com.

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Credit Card For Overseas /International Use

30 May, 2011 By Leave a Comment

Credit Card For Overseas /International Use

As a credit card user, we often look for a card which can be used to solve our many of our problems, like paying our bills, shopping when we are out of cash or are not carrying huge amounts of cash and so on. With a number of credit cards coming in the market, we look for a card which can not only be used in our country but also overseas. But then, not all cards are so.

Generally, when we apply for a credit card, we look for things which can be bought and paid for in our own country. On the other side too, credit card companies too offer cards which are meant for a specific country, say India. They have an idea in the mind, that people who travel abroad should be categorized in a different manner, so they keep a different class of cards to tap this kind. Mostly, these cards are named as Global or International Cards. But then it’s a hassle to keep too many cards.

To avoid this hassle some companies offer credit cards which can be used both in India as well as abroad. With some differences in terms and conditions while buying from a foreign country or the resident country, these are the best options for those who travel a lot or have their business in foreign countries.

Keeping a credit card which can be used internationally is also crucial for business travelers as some most of the European Countries these days which ask you to enter PIN rather than signing the bill once the transaction is complete. In this case, you need a card which is acceptable in these countries. Though, in America, still, the same method as ours of signing the bill is used, there too an internationally acclaimed card is required.

To ease your travel while you are abroad, Kotak Mahindra has come with Credit Cards, which are internationally acceptable. Not only you can use them in our own country, but also abroad with the same ease as you use them here. You can choose from the range of four credit cards which Kotak is offering at present – Trump Gold, Fortune Gold, League Platinum and Royale Signature Credit Card.

For more information on League Platinum Credit Card, Signature credit cards, Visa credit cards and gold credit cards visit at kotakcards.com.

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Financial Freedom & Happiness

28 May, 2011 By Leave a Comment

Financial Freedom & Happiness

Financial Freedom & Happiness

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Financial Freedom & Happiness

By: MikeJohns
Posted: May 10, 2011

It is now proven that Financially independent people are more happier than those that are in the same income age group of people who are not financially secure.

I know that many people argue that money is not everything or money is the root of all the evil… etc… But well, This is not true. According to several studies and research work on wealthy people from all around the world, it is now proven that if you are financially free, then you are more happier than those people in your age/income group who are not financially free.

Of course, Money cannot buy happiness. But still, up to a certain level of happiness, Financial Security is very important. Most of the people are scared of being broke or even bankrupt after their retirement or even before that because of the heavy debt.

In USA, most of the people worry about their debt while sleeping at night rather than Heart disease and diabetes. This is the scenario of people from everywhere around the world. But people that are Financially Free are not worried about these kinds of financial uncertainties and that’s why they are more happy than others in the same age/income group.

Financially free doesn’t mean that you should be a millionaire or multi-millionaire. It means that your monthly Passive Income from your various Investments such as Stocks, Bonds, Gold, Real Estate & Businesses is much more than your monthly expenses. Thus, suppose even if you stop working today, you can live for the rest of your life on the Income you generate from your Investments.

This is known as Financial Freedom. And Believe me, if you really want to be happy in your life then first of all, become a Financially Free.

Do You Have Clearly Defined Financial Goals?

Do You have a Clearly Defined Financial Goal?

What will be your answer if I were to ask you the above question? Many of you will say “Yes”. Many will be confused while many will answer “No”. Now What if I ask you this, Do you have a Clearly defined daily, weekly, monthly, annual, and lifetime financial goals?

In this case, most of the people will answer “No”. That’s because most of the people don’t understand the importance of daily, weekly or even monthly financial goals. But according to one survey, If you ask this question to the millionaire households of United States (USA), then most of the millionaire households will answer this question with a “Yes”.

Read more articles
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What is Financial Freedom?

Wealthy people have clearly defined set of daily, weekly, monthly, yearly, and lifetime financial goals. The key of becoming rich is that you should have clearly defined financial goals.

Just tell me that how many of you sit down every week or a month with a sheet of paper and pencil and write down your financial goals? But those who clearly define and write down their financial goals on paper become more wealthy than those who don’t set any financial goals at all.

In order to become a financial success, you not only have to work hard but also you have to focus on where you will manage your money. You will have to focus on managing money well, if you want to achieve financial freedom.

And you can only manage your money well by having clearly defined financial goals on paper.

Credit Cards of Millionaires

Credit Cards of Millionaire Household Members

One interesting survey done in USA on literally several hundred millionaire households. And according to the survey, here are the top 5 Credit Cards that millionaires love to own.

But before reading further, just guess which credit cards millionaires in America prefer? Of course, you will say that after all they are millionaires so they will prefer American Express Platinum, Diners Club & Carte Blanche credit cards, right?

Although, This is not true. Most of the millionaires are money savvy and they prefer simple and cheap credit cards just like regular households in United States. Here is a List.

Choice: 1 Visa
Choice: 2 Master Card
Choice: 3 Sears
Choice: 4 Penney’s
Choice: 5 American Express Gold

Only less than 5% of Millionaires in USA prefer to use luxurious and high cost credit cards such as American Express Platinum and Diners Club.

Lack of Financial Education is the root of all the bad money habits. Most of the people think since childhood that Rich people use luxurious credit cards. And the reason behind developing this kind of thinking is their parents. If the parents are high Income but low net worth group of people then it is very likely that their children will develop bad financial spending habits.

Children of High Income but low net worth group think that rich people use luxurious and expensive credit cards. And that’s why they grow in age, they buy those luxurious credit cards.

You will be surprised by knowing that less than 5% of millionaires use those luxurious credit cards. Then who is using these luxurious credit cards? Well, these are the high income but low net worth group (Upper Middle Class) of people.

High Income Low Net Worth

Most of the people in our world consider high income, the high net worth. I mean most of the people around the world consider their income as wealth. And this is the reason behind their financial struggle.

In reality, Income & Wealth are two different things. Income is something that you make every month from your job and Investments such as Interest, dividends, capital gains, rental income, Business income… etc… while the Wealth is something that you accumulate.

High Income people are not necessarily wealthy people. Because most of the time, to realize the high Income, you have to pay more in taxes and thus compromising with the wealth.

Let us discuss 2 examples of Mr. Smith & Mr. Eric. Smith earns $ 90,000 a year while Eric earns $ 200,000 a year. Even though Eric earns more than twice that of Mr. Smith, the net worth of Eric is just $ 600,000 while the net worth of Smith is $ 4 Million.

You will now ask this; what is the reason behind this much difference in wealth? Even though Smith earns much less than Eric, his net worth is 6.5 times more than Eric.

That’s because Eric is just a high income but low net worth person. He spends most of the money he earns. And on the top of that, to fuel his luxurious lifestyle, Eric has to realize more income every year and thus he has to pay almost twice as much on taxes than Mr. Smith.

Smart people are those who pay less in taxes (Legally) and accumulate more wealth. Wealth has to be accumulated. If you don’t accumulate it, you can never be rich and wealthy.

http://mytimemattersblog.com

Source: http://www.articlesbase.com/finance-articles/financial-freedom-happiness-4750464.html

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Eco-friendly Credit Cards: Ethical Opportunity or Cash Cow for Banks?

24 May, 2011 By Leave a Comment

Eco-friendly Credit Cards: Ethical Opportunity or Cash Cow for Banks?

Eco-friendly Credit Cards: Ethical Opportunity or Cash Cow for Banks?

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Home Page > Finance > Credit > Eco-friendly Credit Cards: Ethical Opportunity or Cash Cow for Banks?

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Eco-friendly Credit Cards: Ethical Opportunity or Cash Cow for Banks?

By: Caroline Poynton
Posted: Jun 19, 2007
Views: 177

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In a capitalist market seemingly obsessed with profit, the green bandwagon suddenly appears rather ironically overloaded with corporates. Whether it be big brand retailers, such as Tesco, or technology giants, such as BSkyB, business now seems intent on winning the hearts and pockets of the environmentally-conscious consumer.

Financial-services firms are the latest businesses to show a keen interest in the environment, with several banks now launching ‘green’ credit cards. Barclaycard, for instance, is introducing its ‘Breathe’ credit card in the summer. Made from PETG – a recyclable and more environmentally friendly alternative to the usual PVC – use of the card will also help generate funds for carbon-reduction projects. In the first year of its launch, Barclaycard has promised to donate £1m to environmental initiatives, with 50% of its profits from the card going to green causes thereafter. In addition, Breathe card holders can enjoy a preferential annual percentage rate (APR) of 5.9% on purchases of environmentally-friendly goods and services.

Other banks are keen to compete. Virgin Money is also developing a green card, which it claims outdoes Barclaycard because it is bio-degradable rather then merely easily recyclable. The Co-operative bank has also long offered a range of affinity credit cards. With its Greenpeace card, for instance, the bank promises to donate £15 when you open the account, plus 25p for every £1 you spend on the card and 25p for every £100 you transfer to the card.

It all sounds very nicely in tune with current concerns over climate change. But it seems unlikely that a bank would go green purely out of a shared concern for the planet. Factor in other evidence, such as recent announcements that both Virgin and Barclaycard intend to charge customers £10 and £20 respectively just for not using their credit cards and you begin to wonder – is there a catch to the banks’ swing to green?

With growing interest in green issues, banks may wish to do something environmentally ethical if only to improve their brand reputation or consumer loyalty. There is, however, undoubtedly an opportunity for banks and other institutions to make an easy profit out of this burgeoning interest in the planet’s welfare. For instance, Barclaycard’s Breathe card has a typical APR of 14.9% (reduced to 5.9% on environmentally friendly products). This rate is below market average, but still not as good as some other offers currently in the market. Barclaycard’s own Simplicity credit card, for instance, has a best-buy rate of just 6.8% and there are still many opportunities in the market for 0% balance transfers, which may prove far better value than an eco-friendly card, if you don’t pay your balance off in full every month.

You may be delighted to hear that you can now get a credit card which will make donations to charities that you care about at no cost to yourself. But you still need to carefully evaluate the different credit card options to ensure that you are getting the best deal. If your overriding concern is the environment, then you should consider whether the bank has a good track record generally on environmental and ethical issues. If not, you may wish to make your donations through another party. Alternatively, by choosing a cheap credit card deal with a different provider, you could use the savings to make donations directly to the environmental cause of your choice.

“The environment is of prime concern to many people today, so seeing financial institutions donating to green causes will please many people,” said Sophie Neary, product director at BeatThatQuote.com. “You still need to be diligent in taking on any credit card, though. You need to weigh up all the benefits against any potential costs, whether those are higher rates or hidden fees. An eco-friendly card may not be the right option for everybody.”

There is one clear positive aspect to these latest offerings though. Banks are listening to their customers like never before and while profit will always be the imperative, we consumers have never been in such a powerful position to drive the market in ways that suit our pockets, rather than the banks’.

Caroline Poynton – About the Author:

Caroline Poynton writes for Beat That Quote on all loans and finance topics.

Source: http://www.articlesbase.com/credit-articles/ecofriendly-credit-cards-ethical-opportunity-or-cash-cow-for-banks-167191.html

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Filed Under: Cheap Credit Cards Tagged With: , , , , , ,

Saving Money Through a Credit Card Balance Transfer

23 May, 2011 By Leave a Comment

Saving Money Through a Credit Card Balance Transfer

Most people today find themselves living their lives on a tight budget. In this regard, they are always looking for ways in which they can save money. Perhaps you are such a person. Indeed, chances are very good, very strong that you are a person who needs to watch his or her bottom line.

With this in mind, one way in which you actually may be able to save quite a deal of money is through a credit card balance transfer. Through this article, you will be provided with some basic information about why a credit card balance transfer actually may end up saving you money.

In many instances, you really can save money with a balance transfer — save money by switching to a new credit card company. On a regular basis, credit card companies are offering special deals and programs whereby if you sign up for their credit card, you have the ability to transfer any existing balances you have on other student credit cards to that new account for a favorable rate of interest.

You need to make certain absolutely that the interest rate that is being offered — the interest rate that is lower than what you presently are paying — is set in stone and that it will not start to rise automatically after a few months. Of course, you will also want to make sure that there is nothing hidden in the proverbial small print which would make the interest rate on the new card not much of a savings in the final analysis. You really do need to read the small print when it comes to trying to determine the ins and outs of a particular credit card.

A balance transfer can be very useful if you have been less than diligent in paying your student credit card bill on time in the past. If you have been in this position or are in this position, your existing credit card company very well might significantly raise the interest rates that they charge to their cardholders if their cardholders have not paid their monthly bills in a timely manner. If that has happened to you, you may have ended up paying high interest rates on a credit card that you have owned for some time. Therefore, the savings that you might be able to realize on a balance transfer may equate to being quite a lot of money for you in both the short and in the long term.

Some people have developed a plan through which the roll over their credit card balances to different credit cards with some degree of regularity. For the most part, a transfer will not have a negative impact on a person’s credit score. Indeed, you will be paying off one cheap credit card account all together.

You might want to consider leaving the paid off account open provided you have the discipline not to use it. There can be some pretty significant benefit to having available and yet unused credit when it comes to increasing your overall credit score. However, and as has been noted, a credit card balance transfer may work to your best interests on many personal finance related levels.

Liza Mathers currently serves as personal finance editor of a popular UK Personal finance comparison site called Seek4finance.


During her 9 years in journalism, Liza has won a series of awards for her personal finance journalism, ranging from awards for campaigning journalism, business scoops, all-round personal finance knowledge and her proven ability to explain personal finance in simple plain English.


In a nutshell, Liza puts the consumer, not the personal finance industry, first.

Filed Under: Cheap Credit Cards Tagged With: , , , , , ,

Pros and Cons With a Low Interest Credit Card

22 May, 2011 By Leave a Comment

Pros and Cons With a Low Interest Credit Card

The low interest credit cards are equivalent to the cheap credit cards that are considered as most famous credit cards due to 0% introductory annual percentage rate. This offer may last 12 months. If you plan to pay full balance off prior to 0% then intro offer expires, and then this tender can be ideal state. If you are carrying balance every month, then low fixed annual percentage rate interest rate may be better option. Selecting 0% intro rate might be the mistake suppose it changes to the high interest charge after promotional offer get expires. This is a cause why it is important to understand what interest rate is after introductory period get expires. The customers who make a decision to go with promotional offer then they can make use of money saved on the interest cost to speed up paying off loan much faster.

The low interest credit cards usually come with the high transfer rates & fees or else interest rates that are higher the prime rate after introductory time. The cash withdrawals might as well have the higher fees. You need to read terms and conditions very carefully. Check all fees & future interest charge prior to signing up. In order to make best use of low interest card, you must make big purchases by using it & pay off balance at time of introductory period. You may finish up paying small interest charge but it will be good than taking store credit for high interest charge. If you have 0% INTEREST rate offer, then you are paying nothing for whole introductory period. By using low interest credit card elegantly during introductory period will definitely assist you save money on large purchases.

What are conditions in order to maintain very low interest?

Even if introductory rate can extend for period of three months to year, interest rate can be hiked rate much superior than prime rate at time of this period. This is usually done seeing you miss out any monthly sum or if you go beyond your credit limit. In order to use benefits of low interest card to maximum, do not let the above situations happen.

Pros & Cons for switching the credit cards

In order to take benefit of low interest cards lots of people switch to credit cards that are rolling on their balances to new ones to keep the interest rates low. And this will absolutely save you money & work your advantage. But switching credit cards may be long process & frequent switching may reflect very badly on your report. Usually you must keep a few long rank accounts with the prime or else low interest charges after introductory period when you switch to other cards.

If you are besieged with the bills and the credit card debts, then why not combine your loans in 1 loan. This can save enormous sum of money on the interest cost. It cam make monthly expenditure more convenient and will alleviate financial problems, which come with having much credit that you cannot afford. This is excellent chance to start process of getting better your credit rank.

Find a new savings account, cd rates, and more of Tom’s work at gotalkmoney.com.

Filed Under: Cheap Credit Cards Tagged With: , , , ,

Low Interest Rate Card Study: BankWest Lite

22 May, 2011 By Leave a Comment

Low Interest Rate Card Study: BankWest Lite

Picking a cheap credit card is all about balance. The perfect credit card for one individual may be an expensive waste for another. While all credit cards will get you from A to B in terms of online purchasing and general credit card services, you might be stuck with a card which is costing you, when it could potentially be rewarding you.

BankWest’s Lite MasterCard is currently featuring 10.75% p.a. on purchases and is being advertised in many places as the cheapest credit card in Australia. It includes 55 days of interest free credit and an annual fee of .

This fee, that adds extra cost to the credit card, is definitely worth inspecting closely. Garfield Wright from Cannex pointed out that its every year that you could be spending trying to get rid of your debt. He worked out that when talking about the total cost per year a card that charged 12.63% as the interest rate but with no annual fee turns out to be the same price as the Bankwest Lite Mastercard (assuming a modest annual spend).

We decided to do a few calculations of our own to see how this “Lite” Mastercard compares to some of the other “cheaper” credit cards that are on the market.
Using a base credit balance of 00 with 0 being paid off of the card every month, the following is what we came up with:

BankWest Lite MasterCard (10.75% p.a.)
- Paying off the 00 balance with 0 a month, the entire balance was cleared after 8 months, with 2.89 in interest accumulated. Taking into account the annual fee of , the entire cost is effectively 1.89.

Suncorp Clear Options Card (11.99% p.a.)
- Paying off the 00 balance with 0 a month, the entire balance was cleared after 8 months, with 5.33 in interest accumulated. Taking into account the annual fee of , the entire cost is effectively 0.33.

Aussie MasterCard (9.99% p.a.)
- Paying off the 00 balance with 0 a month, the entire balance was cleared after 8 months, with .35 in interest accumulated. Taking into account the annual fee of , the entire cost is effectively 4.35.

There is little doubt that BankWest’s Lite MasterCard is one of the leading credit cards for low interest on the Australian market. It isn’t however the ‘cheapest’ as demonstrated from the comparison above.

Something to keep your eye on is the 19.99 percent charged interest on cash advances. This only applies if you transfer money from your card to another account or if you take cash out from the ATM. BankWest representative Richard Shepherd also said that bill payments aren’t considered cash advances.

The reason that Bankwest (and practically all credit card providers) charges a larger interest rate for cash advances is because they are unsafe transactions for the customer and for the bank, it is often a red flag signaling that the customer has financial trouble, Shepherd says “We want to discourage that type of behavior and educate customers to not take cash advances.” In more realistic terms, banks are saying “They provide us another revenue stream we can take advantage of.”

Also it is worth noting that it’s not technically “new” as advertised. It has just had a reprising; the interest rate of the Lite Mastercard was previously 10.99 percent. Shepherd has explained that customers who previously had the Lite Mastercard have had changes to their plan and a reduced interest rate to conform to the new Lite card plan.

BankWest is constantly striving to be associated with ‘simplicity’ and ‘growth’ as demonstrated by their recent TV advertising campaigns. The BankWest Lite is just that: No balance transfer rates, just a secure, low interest rate credit card with a modest annual fee. If you’re up for anything standard and competitive, the Lite MasterCard is definitely a quality choice. However, if you’re on the hunt for the absolute best for your dollar, you can find better products in Australia.

For more information, please visit http://www.creditcardfinder.com.au/revealing-the-cheapest-credit-cards.html

Filed Under: Cheap Credit Cards Tagged With: , , , , ,
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