We've all seen the 'minimum credit card purchase $10' signs plastered in stores, but are merchants permitted to refuse credit card payment on a small purchase?

Remember the Virgin credit card? It was released in Australia to much fanfare back in 2003, amid claims it would 'shape-up' the local credit card market.

Credit card balances have fallen for the first time since records began 14 years ago, according to central bank figures.

Did you know your credit card number is the result of a complex algorithm designed to deter fraud?

If you're looking for a balance transfer deal, look no further than the St George Vertigo MasterCard, which won Money Magazine's Best Balance Transfer for 2009.

The NAB Visa Mini is a good card with a solid range of features and a good cash back offer, but you'll probably find yourself using the normal-sized companion card more often.

The Westpac Student Visa offers a low annual fee and 55 days interest free, but the very low credit limits make it almost pointless.

There are small African nations with a GDP less than the annual fee of this card. But if you can move past that, it offers an excellent range of features.

The BankWest Lite MasterCard is so good, everyone with an existing card should give serious consideration to swapping.

Follow our guide to maximize your chance of successfully applying for a student credit card.

The ANZ Low Rate Mastercard is a great card for students, young people getting their first credit card or anyone looking for a great balance transfer deal.

There's not much you can say about the ANZ First. It's an entry level card - great as a (gasp!) first credit card, for students or young people just entering paid work. But for everyone else, there's probably a more suitable card out there.

Ever wondered what your credit rating is and how it is calculated? Been refused credit? Our guide will tell you all you need to know, including how to obtain a copy of your credit history and improve your credit rating.