Frequent Flyer points, particularly in Australia, is almost a second currency to the AUD. With so many credit cards in the market place all with the flashy programs, it is easy to quickly feel confused.

Over the years, we have found some people are really proficient with a credit card in their day-to-day handling. Each month they pay it off and pay little or no interest, yet reap the rewards which might be on offer. Others however, find it a tread mill almost impossible to get off! These people spend most of their life around the credit limit (rather than at a zero balance) and as such feel it is more a strangle hold on their cash flow rather than a positive experience.

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