Credit card providers may sometimes offer you great introductory offers that get you on the card and then prices revert to high interest rates. The Aussie Credit Card however offers you great introductory rates and some of the lowest interest rates that are associated with credit cards in the country. The Aussie Credit Card will allow you to choose between a variety of introductory offers and also offer a range of features that can save you further money.
Features of the Aussie Credit Card
The Aussie Credit Card offers a range of features that are available with the credit card. These include:
- Choose from two introductory offers. The Aussie Credit Card gives you the choice of 4 special features which give you special introductory rates. The you can choose one of the following special offers:
- Low balance transfer interest rates for the first 12 months. This Aussie Credit Card special introductory offer allows you to have a low interest rate of 3.99% p.a for 12 months on balance transfers. This can allow you to get on top of your debts over the year.
- Low interest rate on purchases. This Aussie Credit Card special offer allows you to receive low interest rates on purchases. The interest rate on purchases made by the Aussie Credit Card will be a low 9.99% p.a. for 12 months (reverts to 13.29% p.a.) p.a.
- Very low interest rate on purchases. After the introductory period is over the interest rate charged will not jump up dramatically. The Aussie Credit Card charges a low interest rate that is currently at 9.99% p.a. for 12 months (reverts to 13.29% p.a.) p.a. This is much lower than a lot of other providers who will often charge 15% – 20%.
- Interest free period on purchases. The Aussie Credit Card offers a long interest free period on purchases. The interest free period is up to 55 days. This will allow you to organise the funds and help you pay off the debt before any interest is charged for the purchase.
- Partner benefits. The Aussie Credit Card will also give you benefits from some of Aussies business partners. The Aussie Credit Card will get you benefits from:
- MasterCard Applause. With the MasterCard Applause feature you may be able to get exclusive access to some of the biggest sports and entertainment events in the country. The MasterCard Applause feature gives you discount ticket prices and access to pre-sale periods.
- eDine. The eDine feature can give you discounts to over 2500 restaurants in Australia and New Zealand for an annual fee of $35.
- Wine Club. By having an Aussie Credit Card you can have access to all the features that are available for Wine Club members. You can have access to special offers, discounts and money back guarantees from the Wine Club feature.
The Aussie Credit Card offers you a great credit card package. The low introductory offers will help you to reduce the amount you spend when you first get your card. Then the Aussie Credit Card gives you a very low ongoing interest rate. In addition to these features the Aussie Credit Card also offers you a variety of features that will help you save money. To find out more about the features of the Aussie Credit Card credit card, view our comparison tables here, and find out whether you are eligible to apply by following our secure link directly to the Aussie website.
The Aussie credit card offers a great card package with low introductory rates and one of the best ongoing interest rates in the country.
Related posts:
- Citibank Clear Platinum Visa – Introductory 0% for 6 months on balance transfers
- ANZ Balance Visa Credit Card – 0% for 6 months on balance transfers
- Suncorp Clear Options Standard Credit Card – 2.9% p.a. for 12 months on balance transfers
Posted on Thursday, June 10th, 2010 at 4:40 pm
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The scenario:
March 10th I had $61.98 in my account. Using my debit card, I made three purchases in the amounts of $14.10, $27.36, and $18.99 for used textbooks (through Amazon, where you aren’t actually charged until the seller is ready to ship). I did this after forgetting about a $5 lunch from a day earlier (there wasn’t a ‘payment pending’ or ‘hold’ for some reason, like there usually is for such purchases).
March 11th the $5 lunch is posted. I was immediately charged a courtesy pay fee ($32). After the fee cleared, I still had $24.10 dollars to the good.
That same day the $14.10 payment goes through and afterward there’s still $10 in the account.
Another $32 courtesy pay fee is assessed. Only after THIS point is the account overdrawn.
The other two book payments still clear on the 11th and then the 12th, even though the account is overdrawn and even though I never opted ‘in’. Overdraft fees are assessed for both. The account now stands at -$132.20.
Because I wasn’t declined for any of the books, I didn’t know any of this was happening. And trust me, I don’t have a problem with getting declined at the window, or in this case, by the bookseller. If I get embarrassed, it’s probably because I did something to deserve it.
My plan is to talk to my credit union tomorrow morning and ask what happened. I clearly messed up by forgetting about the lunch, but no matter which way you shake it, unauthorized overdraft coverage fees sent my account spiraling, not a turkey sub. I’m willing to pay the fee for one of the charges because it was my own oversight that ultimately caused me to spend more money than I had, but that feels wrong since I never opted in and should have been declined for the very last charge I tried to make. I *would* have had enough to cover all but the last purchase, if it weren’t for the cascading effect of premature, unauthorized overdraft fees.
The question:
Do any of you think I can rightfully dispute at least three of the overdraft fees? If my credit union is unwilling to concede, what options do I have? Who do they answer to about the new rules concerning overdraft coverage?
Sorry if this is posted in the wrong forum. I don’t really consider this a numbers problem, but a consumer protection/faulty business practice issue.