Best Credit Card Company

May 5th, 2010

Every credit card provider will tell you they’re the best credit card company in Australia – even the world! However, the best credit card company is not dependent on the one with the best slogan, the largest advertising budget or the flashiest website

While that credit card provider could be the best, you need to compare providers on a more realistic level, for example, based on the credit card deals they can offer you.

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How to Compare the Best Credit Card Companies

To help you compare the best credit card company for you, based on what matters to you, start by comparing the following features of credit card providers you are considering:

• Their service. Whether you take the time to go into a branch or whether you call on your lunch break you will receive helpful and friendly service from the best credit card company. While their branch service is important, take the time to compare call centres too and take note of how long you were left on hold, how many different people you had to talk to before you found someone who could help, or whether you were put through to an American call centre which disconnected your call because their call volume was too high at the time.
• Whether they have an easy to follow website. A credit card provider’s website will be indicative of their internet banking system, so consider whether the system is easy to use, and understand. Also take a look at the application form, and decide whether it looks easy to fill out, or messy and complicated.
• The credit card companies which don’t offer hundreds of different cards. The bigger credit card companies can have some attractive deals, however, don’t forget to compare the smaller ones too.

How to Find the Best Credit Card Company

There are so many different credit card companies to choose from because there are so many different Australians with different credit card needs and the provider who is best for someone else, may not be best for you. Instead start your search by:

• Looking for the provider who offers your type of card. Credit card companies typically choose one thing to do the best, and this could be business credit cards, rewards or travel cards, personal credit cards or debit cards so make sure you’re looking in the right place for the card you need.
• Consider the numbers. If you want to compare the figures to get an idea of the best credit card company, consider the Roy Morgan banking customer satisfaction survey which found that 87.3% of building society customers said they were satisfied, 85.9% of credit union customers were satisfied and 72% of customers with the Big Four Banks were satisfied.
• The best credit card company has the best credit card deal for you. At the end of the day you have to choose a credit card which has a balance of features which suit you. Therefore, while the credit card company is one consideration, you still need to be sure that the card you choose will meet your needs.

Take the credit card company into consideration in your comparisons by viewing the Best Credit Cards comparison tables here. You can view the cards on offer by each provider as well as follow a secure link from our comparison table directly to the credit card company’s website. A short browse of the site will show you how their information is organised, and how helpful they are willing to be to their customers and you can decide whether that is somewhere you would feel comfortable doing your banking.

Editors Choice: Featured Credit Card Deals

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)