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Get the most out of your credit card
Choose a card program that aligns to your current spending habits and rewards that suit your lifestyle.
Given the number of choices, how do you decide what card and program is the best one for you?
Compare using our services. We help identify the rewards or cash back that can be earned based on your spending habits.
Credit Card Types
A cashback reward program is an incentive program operated by credit card companies where a percentage of the amount spent is paid back to the card holder.
Card holders typically receive between 0.5% and 2% of their net expenditure (purchases minus refunds) as an annual rebate, which is either credited to the credit card account or paid to the card holder separately.
Things to consider:
Limitations: Most cashback credit cards have a maximum cash back threshold, so the cashback is a percentage of the amount spent per year, but to a maximum value. Preferred Retailers: Sometimes the cashback percentage varies depending on the type of purchase and the retailer.
A points reward program is an incentive program operated by credit card companies where points are rewarded against the amount spent per billing cycle.
Card holders typically receive points against their net expenditure (purchases minus refunds) as a monthly reward, which can be redeemed for products and services from partners of the Credit Card Company.
Your Credit Score is an element on how lenders judge if they are comfortable lending to you
The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each.
If you have a low score or ther eis room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score
This report provides a snap shot of your behaviour on managing debt and your finances. Your behaviour is important as it helps them understand how you would cope with more debt.
Lenders require your permission to review your report. They normally review your report during the application journey. Your results normally are reviewed against the risk appetite of the Lender. If you are a customer that fits within their risk level, then they will likely lend to you