Deciding where to start and making the first step toward reducing your credit card debt can seem overwhelming. Follow our step-by-step guide to paying off your balances.

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?

If your credit card balance has been transferred to a debt collector, it's important to know your rights. Our guide outlines what they can and can't do.

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.

Using your credit card at certain stores can affect your credit rating. We find out how 'financial profiling' or 'behavioural scoring' works and whether it's legal.

Most credit cards now come with the option of consumer credit insurance, which will cover your repayments if you become unemployed or disabled. But is it worth it?

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.

Confused about card types? Our simple guide will explain the differences between a credit card, debit card and charge card.

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.

Think your credit card is bad? How about a card with a $53 credit limit which charges you every time you make a payment?

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.