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Just the Facts - Credit

Factsheet

Applying for a credit card  

Information you receive when applying for a credit card, your rights and obligations under a credit ...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Bankruptcy  

Applying for bankruptcy is an option for clearing serious debt but should be considered as a last re...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Choosing a credit card  

There are a lot of different types of credit cards on the market, choose one that suits your needs b...
Commerce | Credit | Infopage | 10 min  | Year 7 - 10

Factsheet

Co-borrowers  

It is common for lenders to try and get the borrower's spouse or partner to sign the contract as wel...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Credit cards and store cards  

Information on using credit and store cards, advantages and disadvantages.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Credit related insurance  

Lenders may ask you to take out Consumer Credit Insurance (CCI) but it is entirely your choice.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Default notices  

A default notice is a written notice the lender must send the borrower before they take legal action...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Experiencing problems with your credit provider or lender?  

What do to if you have problems with your lender or credit provider.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Getting credit advice  

Free credit advice is available from a financial counsellor.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Video

Helen's story  

A video about interest free deals
Commerce | Credit | Video | 5 min  | Year 7 - 10

Factsheet

How interest accrues on credit card purchases  

Credit card providers use different methods to determine when a credit card purchase will begin to a...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

How to get repossessed goods back?  

There are options available to get repossessed property back from a lender but time limits apply.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Interest free loans  

Some retail outlets offer interest free loans but they are not fee-free.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Interest free periods for credit cards  

Some credit cards have an interest-free period which is the time that you have to pay for something ...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Loans  

Information on different types of loans with fixed versus variable interest rates, consolidation loa...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Principal and interest  

When you borrow money you need to repay the amount borrowed, called the principal, plus the interest...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Repossession  

If the borrower stops making the required repayments, taking or repossessing property that has been ...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Security for the loan  

Sometimes lenders will ask you to provide security before they approve the loan as a safety net for ...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Shopping for credit  

Shop around and compare interest rates, product features, fees and charges.
Commerce | Credit | Infopage | 5 min  | Year 10 - 11

Factsheet

The contract and deposits  

If you sign anything at a car dealer's it's probably a sale contract. Car sale contracts are legally...
Commerce | Cars:/CarsCredit:/CreditContracts:/Contracts | Infopage | 5 min  | Year 7 - 10

Factsheet

The law relating to credit  

The National Credit Code is the law that governs all consumer lending in Australia.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Useful inks - credit  

Useful web links and sources of financial advice online.
Commerce | Credit | Infopage | 5 min  | Year All

Factsheet

Varying a credit contract  

The law allows to vary a credit contract on the basis of hardship.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

What happens when legal action is taken?  

Actions you can take if the lender has taken legal action against you for a debt.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

What is credit?  

Credit is the promise to repay, with interest, money borrowed from another.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

When the lender wants loan security  

Lenders will sometimes ask for some type of security before they will approve a loan. One form of se...
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

Factsheet

Your credit rating  

You can get a copy of your credit file for free from Veda Advantage.
Commerce | Credit | Infopage | 5 min  | Year 7 - 10

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An initiative from NSW Fair Trading

 

Last Updated:   

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This information must not be relied upon as legal advice. For more information about this topic, refer to the appropriate legislation.

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