I still remember how my cheeks burned as I stood in line at the Commonwealth Bank branch in my home town of Horsham in country Victoria.
Financial advocates are concerned those debts may take decades to clear and want consumers to check the interest rates and fees on their cardsAs if I needed any more information.Back then, I was ashamed. Two decades on, I'm relieved. Some dumb luck saw me dodge a financial bullet that could have lodged itself for a decade or more.
The report also said consumers would have saved about $621 million in interest in the 2016/17 financial year alone if their balance was on a card with a lower rate.ASIC found consumers were charged about $1.5 billion in fees in that same financial year — that includes annual fees, late payment fees and other amounts for credit card use.Ms Guthrie said people often only made the minimum card repayments, which meant debts dragged on for years — even decades.
Avoid them like the plague
Simply say no..I throw every credit card app I get in the trash. I dont have bank accounts. The only thing I pay interest on is my student loans and they will be in deferment or income based driven till I die and when I die on my grave I am going 2have a middle finger to society
It’s really quite simple, make do with what you have until you can save enough money to buy what you want
credit card waaloun ki calculations huti hain..kay just 20 to 30% will be defaulters, wou apna losss bhi hum say hee wasool kartee hain, jou default nahi kartay
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