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My tongue, every atom of my blood, form'd from this soil, this air, Born here of parents born here from parents the same, and their parents the same, I, now thirty-seven years old in perfect health begin, Hoping to cease not till death.

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When I tried to calculate that as an equivalent APR, the rate was so high that my spreadsheet had a meltdown (meaning it's a number ending in at least 300 zeros, putting even nasty payday loans in theshade).

Credit card advantage one: spending is safer Spend on credit cards and you are better protected, a by-product of the law's attempt to ensure that people actually benefit from what they paid for with "borrowed" money.

Fail to pay off the card each month, though, and the interest charge dwarves the gain. Many people still instinctively shy away from this, and consider their debit cards the good guys. Go overdrawn and debit cards incur debt as well, sometimes with higher APRs.

Even worse, bust your limit by even a pound for just one day and you may face charges of up to £25.

We would not recommend paying only the minimum payment.

Only making the minimum payment maximises the interest you will pay and length of time it will take to clear your balance, as highlighted in the example below.

Then they become a powerful weapon, boosting consumer protection and sometimes putting hundreds or thousands of pounds in your pocket.

You will need to have had your account for 6 months before you can take a Payment Holiday and not have used a Lifeline or Payment Holiday in the last two months.

Interest will continue to be added to your account during a Payment Holiday.

No member of the Macquarie Group accepts any liability for reliance on the information contained in this communication other than in relation to products or services provided by Macquarie..50 Card Purchase Fee applies. The Woolworths Money Visa Prepaid Gift Card is issued by Macquarie Bank Limited (ABN 46 008 583 542, AFSL 237502).

Please read the full Terms and Conditions before purchase and first use.* Excludes ATM’s, transactions at merchants that are completely manual (for example using an imprinter (click-clack machine)) and merchants who elect not to accept Visa Prepaid Cards.

Select between the Classic Gift Card and the e Gift Cards.

Card Services is a division of Macquarie Bank Limited (ABN 46 008 583 542, Australian Credit Licence 237502) which provides and administers credit and is the issuer of the Woolworths Money Credit Cards. Terms, conditions, fees, charges and interest rates apply and are subject to change.

Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes. An up to 10% discount will be applied to any new Woolworths Car, Home, Pet or Travel Insurance policy, paid using your valid Woolworths Money Credit Card, quote the first six digits of your credit card number in the promo code field. This Discount Offer is for the life of the policy while paying with your valid Woolworths Money Credit Card and will be extended on renewal.

Woolworths Insurance reserves the right to discontinue or amend this Discount Offer for new policies in the future. All other promotional and policy discounts are treated separately and combinations of discounts may not be applicable. Woolworths Insurance is responsible for all representations made regarding the offer and services. Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. 245476 (Woolworths) acts as Hollard’s Authorised Representative.

We'll give you 10% off your first in-store or online shop at Woolworths on a selected weekend each month when you scan the barcode on the back of your credit card and pay with your Woolworths Credit Card. Maximum purchase amount of 0) The ultimate Gift of Choice.

Redeem at Woolworths Supermarkets, BIG W, Dan Murphy's, BWS, Thomas Dux, Cellarmasters and Caltex Woolworths Petrol.