15/09/2026
Did you get a letter from your bank about changes to your credit card?
Here’s what it says. Rates up. Annual fees up. Rewards cut. Interest-free days cut. All the same week the surcharges disappear.
Do you want to do something about it?
$10,000 on a credit card at 23.99%: about $288 a month for 5 years, $7,257 in interest.
Same $10,000 in a personal loan at, say, 10.5%: about $215 a month, $2,896 in interest.
That’s $4,361 you keep.
These rates are just an example. Yours depends on your credit score.
Want to do something about it? Message me or tap the link in bio.
*Example only: $10,000 over 5 years with monthly repayments, excluding fees. The loan example uses an illustrative rate of 10.5% p.a. and is not an offer; your rate depends on your circumstances and may be higher or lower. Credit criteria, terms, conditions, fees and charges apply