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Paying your credit card bill

Credit cards are a convenient way to access short-term credit, in order to buy the things you need. A useful way to think about it is that when you make a purchase with your card, you’re essentially borrowing money from your credit card provider which you pay back later. 

As with any form of credit, it’s important to make sure you stay on top of your repayments. In this article we’ll look at ways to pay off your credit card bill, and some helpful tips and tricks to keep your repayments on track.

Transfer from your account

The easiest way to pay off your credit card is by transferring from your account, using Internet Banking or your mobile banking app. Once you’ve received your statement, you can easily transfer over the amount owing, or the amount you’re intending to pay, onto your credit card.

If you are an ANZ customer, you could set up an alert via Internet Banking or goMoney, so you receive an email or text reminding you when your credit card payment is due.

Automatic payments – set up a direct debit

Some credit card providers allow you to set up a direct debit that automatically pays an amount you select off your credit card balance each month – for example, you could choose to repay the full balance, a set amount or the minimum payment due. It’s a great way to just set up your credit card repayments so you don’t miss the due date. 

Planning ahead

Many people find it useful to keep track of their credit card spending as they go. That makes it easier to stick to your budget and means you know what to expect when you receive your monthly credit card statement. If you have an ANZ card, you can also check your credit card balance at any time via goMoney or Internet Banking.

If you’re worried about your credit card debt, or your ability to make repayments, contact your credit card provider. They may be able to assist with tools, resources or different payment solutions to help relieve any financial stress.

If you’re an ANZ customer having difficulty making your credit card repayments, please contact us on 0800 240 438 to see how we may be able to help.

Information in this article refers to personal credit cards, is general in nature only and does not take into account your personal objectives, financial situation or needs.The information may not reflect how interest and charges are calculated under your credit card conditions of use.

By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

The information is current as at August 2020 and may be subject to change. ANZ recommends you review your personal credit card conditions of use for information about the terms that apply to you.

Interest rates are subject to change.

Lending criteria, terms, conditions and fees apply to all ANZ credit cards. See Rates, fees and agreements for more information