Articles on credit cards

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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?
The information in credit histories can affect a bank’s decision to loan money. Stephanie Flack/AAP

Business Briefing: what happens to your credit history

Business Briefing: what happens to your credit history.
As credit reporting agencies find new ways to make money out of people accessing their credit histories, agency wrongdoing is calling into question the whole business model.
If an online offer seems too good to be true, it probably is and you’re being phished. Shutterstock

How to avoid getting hooked by a festive season phishing scam

Phishing attempts tend to rise during the festive season when people are more likely to respond to online marketing and to spend more money. How can you protect yourself?
Prime minister Malcolm Turnbull has accepted almost all the recommendations from the Murray Inquiry into the financial system. Mick Tsikas/AAP

Government to act against businesses exploiting credit card charges

The Turnbull government will ban businesses from charging consumers excessive surcharges on their credit cards, and move to inject more competition into the superannuation industry.

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