Improve your credit behaviour

Take steps to improve your borrowing behaviours so lenders will be more likely to approve you for future loans.

Establishing a credit rating is an important tool in your financial toolbox; however credit cards and online/mobile loans can be sources of debt troubles too. These tips can help you use credit cards and online loans effectively and help you with managing your credit rating.

 

Where should you start?

 

Make sure you always make the minimum monthly payments.


Try moving your high-interest debt to a card/loan with a lower interest rate and pay more than the minimum due.

 

Find ways to prevent further credit card or online loan debt, by reducing spending, paying with cash, or using debit cards for purchases.


 

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Five steps to manage finances and debt

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