Australia credit card use

1. Kind VISA, MASTER, AMEX. Remember the three is enough. What other BANKCARD, DINERS CLUB, and so are not used. According to limit the cost of each type of card services and hours: General cards, gold cards, platinum cards, and so on. 2. Issued VISA and MASTER can be obtained from a number of banking institutions. AMEX is not linked with the bank, a few years ago not to be known as the credit card. You can apply for credit cards from any bank, but in order to facilitate, or from your own bank. And all such payments more convenient. 3. Need Everyone has the credit card. In the booking arrangements, car rental, online shopping, etc., often have to have a credit card will not work. Of course, the usual 55 days of interest-free is also an advantage. 4. Choose For most of the spending habits of Chinese farmers, according to the terms of the option key to see the extent of: (1) annual fee (2) Insurance (3) limit (4) Service (5) interest (6) General. Chinese farmers living within our means, usually to reimburse the full amount of their pay. Basically, do not pay interest on the annual fee is particularly important. My principle is not received from the card's annual fee. I am a private AMEX Gold, VISA Gold, Virgin Blue Master, not the full annual fee. Insurance refers to the unauthorized use of credit insurance. With its heart was stable. It seems that regard, AMEX Gold best. There are limits in 2000, 6000, 12000,. . Several stalls. Unless you have a specific plan, or your income is very high, generally stand up to banks to the temptation to retain the lower limit. You can never limit the access to high, the only possibility in the unauthorized use of a greater loss of time, why? If you are eligible to limit access to large, long-distance travel can sit before the request to raise the limit. In fact, online banking so easy, probably will never need to do so. The service system is attached to other benefits, such as points, travel insurance, and so on. AMEX Gold with the highest points, VISA Gold to buy air tickets, family travel insurance are included. Virgin Card used to buy most tickets are automatic park 10% to 20% discount. Credit card interest rate from 12% to 23%. In addition to occasionally forget also, in general do not pay interest so he did not care. In theory, VISA than MASTER general, but you will not find nearly the difference. For so many years, in addition to the one found in a hotel in Suva, Fiji, only MASTER no VISA, never took note. 5. Fees The more original the business to charge its customers to pay credit card fees, generally about 1%. Taking into account the total points scored in the value of the general 1% to 0.5%, and then to the local charges of credit card do not have to be considered. 6. Get cash Cash Advance to pay fees, from the beginning of calculating interest on the same day, so not as a last resort should not use a credit card now. There is a proactive Cash Advance, is to leave the card on top. Due to mention that you are your own money, you do not need to pay the interest. 7. Bank Card Key Card. This card comes to the outside. The reason is that many people do not know, really khaki foreign banks can be used. You look at the back of the card, if PLUS, or markers, such as CIRRUS, outside the mark of the same machine can withdraw the money. The limit on the same day and in Australia as equivalent. Slightly higher fee, but you can put up with