Aussies are showing a steely determination in getting to grips with their finances, it has been suggested.

With concerns about the economic downturn growing, people are increasingly turning their backs on their “big borrowing ways”, Karina Barrymore, writing in the Courier-Mail, states.

Consequently, there has been a greater focus on repaying debts owed on credit cards and other forms of personal borrowing, as Ms Barrymore points to figures published by the Reserve Bank of Australia (RBA) showing

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Smart consumers are always on the lookout for 0% APR credit card deals and for good reason – literally no interest for up to 12 months. Here’s how to reap the greatest benefits and important points to remember when using 0% APR cards.

Introductory Periods

Credit card companies that offer an interest-free period do so as a way to encourage you to use their card and typically limit it to a period of six to twelve months. Look for the longest period of time to save the most money.

Purchasing Power

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When a purchase is made, the credit card user agrees to pay his or her bank at a later stage. The card-holder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN).

credit card offers a number of benefits to the customer. Compared to debit cards and checks, a credit card offers small short-term

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