Live your best financial life

7 steps to perfect credit card use

New Zealand’s collective credit card debt was nearing $7.2 billion in June this year. Your contribution to this growing national burden may be miniscule, but it probably doesn’t feel that way when your credit card bill thuds ominously onto the welcome mat. So, how can…

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Are you signing away your privacy? Know your rights

Privacy is important, especially when it comes to your money. There are certain personal financial details Kiwis don’t want falling into the hands of hackers, or for that matter their partners, children, employers and others. Some things are just personal. Most reputable Kiwi organisations do…

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Top tips to avoid over spending at Christmas

As we approach the silly season and our bank accounts begin to bear the brunt of it, Kiwis should aim to be careful shoppers and only spend what they can afford. We commissioned research which reveals nearly one in three New Zealanders put their Christmas and…

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Why did my credit score change?

Due to the amount of information that is used to calculate your credit score, it’s easy to see how your score can fluctuate. Still, if you don’t believe much has altered in your financial habits and your credit score still has changed, it can be…

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How long is information held on my credit file?

Following the introduction of comprehensive credit reporting, both positive and negative listings are recorded by credit providers. However, it is the negative listings such as bankruptcies and overdue accounts that will be listed on your file for longer and impact your ability to access credit.…

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