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Customer tips for managing your credit card

To help you get the most out of your credit card, here are some tips from other CommBank credit card customers.

  • Log on to NetBank daily to keep track of the latest activity on your card.
  • Check the types of credit cards available from your bank. If your financial situation changes, there may be another card more suitable to your needs.
  • Set up automatic payment from your Smart Access to credit card.
  • Always pay the full amount back every month, so as not to pay interest on the account.
  • Set up free text reminders so you always know when a payment is due.
  • Treat your credit card like a debit card and only spend the money you have.
  • Consolidate your credit cards to reduce the risk of accumulated debt. CommBank can help you with this.
  • Avoid late fees by transferring money into your CommBank credit card a few days before the due payment date.
  • Set up an online auto transfer to pay off an amount each week from your salary.
  • Earn more reward points by using your American Express rewards card when an American Express surcharge isn’t applied to your purchases.
  • Use your credit card rewards point for special occasions like weekends away or Christmas dinner.
  • Understand how your interest free period works, and then time your purchases accordingly.
  • Checking your statement when it arrives means you can track spending and identify any incorrect charges.
  • Check NetBank real time* (the best part of CommBank credit card features) activity at least once every few days and report any transaction you believe is not authorised by you.

Important Information

* Excludes manual transactions and some contactless payments.

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