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Credit cards can be a convenient way to pay for everyday purchases, shop online and manage cash flow. But if you don't pay off your balance on time, interest and fees can add up quickly.
Whether you're choosing your first credit card or trying to get on top of existing debt, learn how to:
- Choose a credit card - Learn how to compare credit cards, understand fees and features, and choose a card that suits your spending and repayment habits.
- Pay off your credit card - Find practical ways to reduce your credit card debt, save on interest and pay off your balance faster.
- Use our credit card calculator - Use our calculator to see how long it could take to pay off your credit card and how much you could save by making higher repayments or paying a lower interest rate.
- Compare credit card balance transfers - Understand how balance transfer offers work, the potential benefits and risks, and whether switching cards could save you money.
- Cancel a credit card - Learn the steps to cancel a credit card, including paying off the balance, managing direct debits and closing the account.
If you're struggling with credit card debt, take action early. Find help to get debt under control.