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How to get the most out of your credit card

Credit cards are useful tool when used responsibly and strategically. Here are somethings to keep in mind when using your credit card.

  • Don't miss monthly payments: Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
  • Avoid withdrawing cash: Withdrawing money from your credit card often comes with fees. You'll also be charged interest on top of that. It's best to avoid cash advances unless it's urgent.
  • Payoff your balance in full: Unless you've got interest free credit card, it's usually best to to pay off your balance in in full every month. It saves you from being charged interest, and you don't accumulate debt. It also goes a long way in improving your credit score.
  • Avoid too many applications: Applying for credit too often can hurt your credit score. That's because each time you apply, it leaves a record on your credit file. It may make lenders think you're desperate for credit and thus they'll be less likely accept you.
  • Be careful when overseas: Many credit cards charge foreign transaction fees when you use your credit card abroad. Make sure you have a credit card that doesn't charge you these fees when you travel.
  • Be smart about rewards cards: Rewards cards can be tempting at first glance but can prove expensive. Pick rewards that you actually use regularly and check that they outweigh the annual fees that rewards cards usually charge.

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Nomey Limited trading as Nomey (FSP735451) holds a licence issued by the Financial Markets Authority (FMA) to provide digital “generic” financial adviser services. Click here to view our full disclosure statement.

Nomey is an independent comparison website, we are not a product issuer or credit provider. We may be compensated if you successfully apply for a product via our website.

Our loan providers offer fixed interest rates ranging from 5.03% to 29.95% per annum on 6 to 84 month terms and charge an establishment fee from $150 to $1000. Our providers may charge additional fees which will be disclosed on their site and should be reviewed before proceeding with any application.

We work hard to ensure the information displayed on our site is accurate. If you choose to apply for a product via our website, you will be dealing directly with the provider of that product and you should confirm the accuracy of any information with them. It is important that you read and understand any information provided by the product provider and if anything is unclear you should get independent advice before proceeding with the application.