If you find yourself in the situation that you are unable to pay your credit card debt balance off each month then there are steps you can take to reduce your interest charges.
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Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you sh.....
Lay-by arrangements where customers pay off goods by interest free instalment before picking them up are making a comeback says the Australian Retailers Association. Many smaller speciality stores offer lay-by, as well the major shops including Myer, K-Mart, Big W and Target. Richard Evans from the Retailers Association warned consumers that different shops have different fees and rules on their lay-by schemes.
