When you use credit, find out the repayments you´ll need to make.
How you are protected
Consumer credit is now regulated by the Australian Government. The National Consumer Credit Code gives consumers protection when entering credit contracts.
If you are in debt or going into debt, talk to your lender and a financial counsellor as soon as possible.
Protect your money
Keeping your online bank account and credit cards safe from fraud and misuse.
A credit card can be a useful purchasing tool if used sensibly and responsibly.
Similar to credit cards, but using your own money.
Queensland consumers are protected by an interest rate cap of 48 per cent a year on all consumer credit contracts.
Direct debit payments
Your account is automatically debited for the amount of your bill.
If you agree to be a loan guarantor, ensure you can cover the entire loan yourself.
Consider taking out insurance to protect yourself from financial loss.
Getting help for financial hardship
Government, private and community organisations to contact if you are in hardship or need financial advice.
Last reviewed 11/09/2013