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Articles on Credit cards

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Cashless payments have advantages, but only to those who have the means to make them. Karolina Grabowska/Pexels

The problem with cashless payments

The slow disappearance of cash has advantages, but it can also exclude the most vulnerable from socio-economic activity. It’s also a privatisation that deteriorates the symbolic dimensions of money.
Visa and Mastercard both recently agreed to remove their no-surcharge rule, leaving businesses free to pass these fees along to customers. (Shutterstock)

How Canada’s new credit card surcharge will affect consumers and businesses

Businesses can now pass credit card surcharge fees along to their customers. To help businesses predict how consumers will react to credit card surcharges, behavioural economics offers some answers.
Because ‘buy now, pay later’ companies are not regulated under the National Credit Act, Afterpay is not legally required to observe responsible lending obligations. www.shutterstock.com

What’s the difference between credit and debt? How Afterpay and other ‘BNPL’ providers skirt consumer laws

By not charging interest, Afterpay and other ‘buy now, pay later’ providers avoid the rules of national consumer credit law.
Canadians, like many other people around the world, are stressing about money and have amassed a lot of credit-card debt. (Shutterstock)

Escaping the vicious circle of going paycheque to paycheque

People are stressed out about money, with most of us struggling to make ends meet due to abusing credits cards and amassing consumer debt. Some tips on how to change your spending behaviour.
Most Australian children have such a glut of toys that parents are opting to give them gift cards so they can choose for themselves. rawpixel/Unsplash

No presents, please: how gift cards initiate children into the world of ‘credit’

Many children receive gift cards or even ask for them so they can choose their own presents. But are youngsters ready to handle the wiles of advertisers and the complexities of ‘credit’ on a card?

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