Understanding credit cards

Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about how credit cards work, how to avoid interest – and how to get support if you face financial stress.

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Support with higher living costs

Higher everyday expenses and unexpected events can put added stress on you and your wallet. If you could use financial support, we’re here to help. 

Let’s talk

From tips on managing your money to financial support options, call us – please don’t go it alone.

Facing financial stress?

Our hardship team may be able to offer extra support if you experience a hardship event, e.g. job loss, serious illness, a relationship breakdown.

Free budgeting help

Your budget is a key financial tool that helps you work out how much money you have left after paying essential expenses, e.g. power bills, rent, mortgage payments. If you don't have a budget, our free budget planner can help you create one.

The MoneyTalks service provides free, confidential and non-judgemental budgeting services throughout New Zealand. 

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Important information

The information is current as at August 2020 and may be subject to change.

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. Talk to us for financial advice and see our advice statement.

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