An Australian credit journal
Est. 2014 · Plain-English guides to credit in Australia
Revolving credit
A credit card is a revolving facility with a marketing department. These pieces strip the brochure language and walk through how interest is calculated, when a transfer helps, and when an annual fee is worth paying.
How a card is closed properly — remaining balance, direct debits, points — and what utilisation and available credit can do to a score. Offsetting a home loan versus keeping a card is a description of two mechanisms, not advice.
CMS Editorial · 11 March 2026
Break-even maths for points against an annual fee, partner transfers, devaluation, and the insurance that sits in a PDS rather than in the card brochure. A no-frills card is sometimes the quieter option. Information only.
CMS Editorial · 4 February 2026
Promotional periods, transfer fees, residual interest and the revert rate — what a balance-transfer offer actually does when the cheap months end. A transfer is a pause, not a plan, and a new facility is an event on a credit file.
CMS Editorial · 15 January 2026
Residual interest, the lost interest-free period, cash advances and daily charging — how a revolving balance is actually priced, with labelled hypotheticals. Paying the minimum is not the same as containing the cost.
CMS Editorial · 3 December 2025
How to read a card offer — purchase rate, cash-advance rate, annual fee, interest-free days and international fees — without treating a brochure as a ranking. Suitability is personal.
CMS Editorial · 18 November 2025