I had a cc in Canada & then NZ but i only had a $500 limit (on both)as that's all i ever wanted. Credit card from Canada was paid off & canned when we lived in japan and the NZ cc was paid off & canned when i moved to Perth. I can't be bothered to apply for another cc and am happy using eftpos.

Ian & I have one cc btwn us, it's paid off at the end of the month.

We don't have any outstanding loans etc...well actually that's a lie..the soon to be mortgage will be our main & only debt. If that's the only way for me to get a credit rating here in Australia so be it.

When i worked for The National Bank in NZ i always told ian that i was amazed about peoplé's finances....I still don't like the idea of overdrafts...I remember trying to beat the idea of interest on cc's into people's heads...F&&&&~!!!! Explaining to someone why thier cc wouldn't work any longer...and then them complaining because they were in a busy shop & were embarassed....TOUGH S**** i say...(not on the phone though...)

Even where i work now, I get to see paperwork for the area that completes financial hardship requests...

I don't mean to sound like a goodie goodie....I just hope someone out there understands what i mean.


c