Credit Card Glossary | Great Southern Bank

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id="menu_Savingscalculator3"><a href="/banking/savings-accounts/savings-calculator"><span>Savings calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Termdepositcalculator3"><a href="/banking/term-deposits/term-deposit-calculator"><span>Term deposit calculator</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallbanking6mobile381473"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/banking" >Explore all banking</a></div><div class="main-menu_primary-item-quicklink main-menu_primary-item-quicklink--with-image mb-3 mt-2" id="menu_DigitalBanking5mobile383948"><a class="d-flex align-center ph-2 pv-3 pv-1-md border-neutral-300 box-rad-8 bg-purewhite" href="/digital-banking" ><div class="main-menu_primary-item-quicklink--with-image-text direction-row align-center flex-1"> <div>Digital Banking</div> <div class="icon-css icon-arrow-heritageteal icon-size-2 main-menu_primary-item-quicklink--with-image-icon"></div> </div><img class="main-menu_primary-item-quicklink__image flex-1 lazyload" data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0029/507926/phone-menu.png" /></a></div> </div> <div class="main-menu_primary-item-promo-wrap d-none-menu-mobile"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare savings accounts</div><div class="main-menu_primary-item-promo-copy">Unsure which savings account to choose? Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts40"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item-featured-links bg-neutral-100 pv-3-lg d-flex-lg align-center"> <div class="main-menu_primary-item-featured-links__inner"> <div class="main-menu_primary-item-featured-links__title headline-5-regular headline-6-regular-md color-deepocean">Explore features</div> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Digital wallets" href="https://www.greatsouthernbank.com.au/digital-banking/digital-wallet"> <span class="main-menu_primary-item-featured-links__item-text headline-6">Digital wallets</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Vault" href="https://www.greatsouthernbank.com.au/digital-banking/the-vault"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Vault</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="The Boost" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost"> <span class="main-menu_primary-item-featured-links__item-text headline-6">The Boost</span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> <a class="d-flex justify-between color-night main-menu_primary-item-featured-links__item" title="Card controls" href="https://www.greatsouthernbank.com.au/digital-banking/card-controls"> <span> <span class="main-menu_primary-item-featured-links__item-text headline-6">Card controls</span> <div class="badge badge-sm badge-solid-feature ml-1">New</div> </span> <div class="d-none-menu-desktop icon-css icon-arrow-heritageteal icon-size-2"></div> </a> </div> </div><div class="main-menu_primary-item-promo-wrap d-none-menu-desktop"><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparesavingsaccounts71"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare savings accounts</div><div class="main-menu_primary-item-promo-copy">Unsure which savings account to choose? Compare rates, features and account purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/banking/savings-accounts/compare" >Compare savings accounts</a><div class="main-menu_primary-item-promo-link" id="menu_Comparesavingsaccounts41"><a href="/banking/savings-accounts/compare" >Compare now</a></div></div></div></div></div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Credit Cards</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Credit Cards</div> <div class="main-menu_primary-item-content-blurb"> Give yourself breathing room for when unexpected stuff happens. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6desktop479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6desktop500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections main-menu_primary-item-group main-menu-type2"> <div class="main-menu_primary-item-group-heading main-menu-type2_heading generic-accordion--active" data-generic-accordion="title">Credit Cards</div> <div class="main-menu_primary-item-group-list main-menu-type2_group generic-accordion--active generic-accordion--finished" data-generic-accordion="content"> <div class="main-menu-type2_section"> <div class="main-menu-type2_item" id="menu_LowRateCreditCard8"> <div class="main-menu-type2_item-image main-menu-type2_item-image--single"> <a class="main-menu-type2_item-link" href="/credit-cards/low-rate" > <div class="main-menu-type2_item-thumbnail"><img data-src="https://www.greatsouthernbank.com.au/__data/assets/image/0027/478035/card-mastercard-low-rate-mega-menu.webp" alt="Low Rate Credit Card" class="lazyload" /></div> </a> </div> <a href="/credit-cards/low-rate" class="main-menu-type2_item-title">Low Rate Credit Card</a> <div class="main-menu-type2_item-learn"> <a href="/credit-cards/low-rate" >Learn more</a> </div> </div> </div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea381488actionapply"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/credit-cards?action=apply" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Creditcardglossary6mobile479844"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/credit-cards/credit-card-glossary" >Credit card glossary</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_CreditcardFAQs6mobile500481"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/credit-cards" >Credit card FAQs</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0026/500885/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Smartwaystouseacreditcard70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Smart ways to use a credit card</div><div class="main-menu_primary-item-promo-copy">Learn how a credit card works and other handy tips before you apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/credit-cards/how-do-credit-cards-work" aria-label="Smart ways to use a credit card">Smart ways to use a credit card</a></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Home Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Home Loans</div> <div class="main-menu_primary-item-content-blurb"> Find the right loan to make your home-owning dreams come true. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6desktop465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6desktophttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_HomeLoans1"><a href="/home-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--home-loan"></use></svg>Home Loans</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeLoans2"><a href="/home-loans">See All Home Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_BasicVariableHomeLoan3"><a href="/home-loans/basic-variable"><span>Basic Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_OffsetVariableHomeLoan3"><a href="/home-loans/offset-variable"><span>Offset Variable Home Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_FixedRateHomeLoan3"><a href="/home-loans/fixed-rate"><span>Fixed Rate Home Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title" id="menu_SupportSchemes1"><a href="/home-loans/home-guarantee-scheme"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-owner-occupier"></use></svg>Support Schemes</span></a></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_SupportSchemes2"><a href="/home-loans/home-guarantee-scheme">See All Support Schemes</a></div><div class="main-menu_primary-item-group-item" id="menu_FirstHomeGuarantee3"><a href="/home-loans/first-home-guarantee"><span>First Home Guarantee </span></a></div><div class="main-menu_primary-item-group-item" id="menu_FamilyHomeGuarantee3"><a href="/home-loans/family-home-guarantee"><span>Family Home Guarantee</span></a></div><div class="main-menu_primary-item-group-item" id="menu_RegionalFirstHomebrBuyerGuarantee3"><a href="/home-loans/regional-first-home-buyer-guarantee"><span>Regional First Home<br>Buyer Guarantee</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Calculators1"><a href="/home-loans/home-loan-calculators"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--calculator"></use></svg>Calculators</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Calculators2"><a href="/home-loans/home-loan-calculators">See All Calculators</a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpower3"><a href="https://research.application.greatsouthernbank.com.au/lara/borrowing-power" target="_blank" rel="noopener" ><span>Borrowing power</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Repayments3"><a href="/home-loans/home-loans-repayment-calculator"><span>Repayments</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinance3"><a href="/home-loans/refinance-calculator"><span>Refinance</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Loancomparison3"><a href="/home-loans/loan-comparison-calculator"><span>Loan comparison</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Stampduty3"><a href="/home-loans/stamp-duty-calculator"><span>Stamp duty</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Splitloan3"><a href="/home-loans/split-loan-calculator"><span>Split loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Rentvsbuy3"><a href="https://research.application.greatsouthernbank.com.au/lara/buy-or-rent" target="_blank" rel="noopener" ><span>Rent vs. buy</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Upfrontcosts3"><a href="/home-loans/upfront-costs-calculator"><span>Upfront costs</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading generic-accordion--active " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I am...</div></div><div class="main-menu_primary-item-group-list generic-accordion--active " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Savingforadeposit3"><a href="/home-loans/saving-for-a-deposit"><span>Saving for a deposit</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmyfirsthome3"><a href="/home-loans/buying-your-first-home"><span>Buying my first home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingmynexthome3"><a href="/home-loans/buying-your-next-home"><span>Buying my next home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buyingorbuildingagreenhome3"><a href="/home-loans/green-home-offer"><span>Buying or building a green home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Buildingmyhome3"><a href="/home-loans/building"><span>Building my home</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancing3"><a href="/home-loans/refinance"><span>Refinancing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Investing3"><a href="/home-loans/investing"><span>Investing</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovating3"><a href="/home-loans/renovating"><span>Renovating</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_ApplyOnline6mobile465482"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/home-loans/home-loan-application" data-trigger-vars="hl-apply" >Apply Online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397441"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/home-loans" >Frequently asked questions</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_TheBoost6mobilehttps:wwwgreatsouthernbankcomaudigital-bankingthe-boostintenthomeloans"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/digital-banking/the-boost?intent=homeloans" >The Boost</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-xs.jpg [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0035/446597/varieties/img-sm.jpg "></div><div class="main-menu_primary-item-promo" id="menu_FirstHomeGuarantee70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">First Home Guarantee</div><div class="main-menu_primary-item-promo-copy">Buy your first home with as little as 5% deposit. T&Cs apply.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/home-loans/first-home-guarantee" >First Home Guarantee</a><div class="main-menu_primary-item-promo-link" id="menu_FirstHomeGuarantee40"><a href="/home-loans/first-home-guarantee" >Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Personal Loans</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Personal Loans</div> <div class="main-menu_primary-item-content-blurb"> Whatever you need extra funds for, we can make it happen. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6desktopa384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6desktop397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_PersonalLoans1"><a href="/personal-loans"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-products--personal-loan"></use></svg>Personal Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_PersonalLoans2"><a href="/personal-loans">See All Personal Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredFixedLoan3"><a href="/personal-loans/unsecured-fixed-rate"><span>Unsecured Fixed Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredFixedCarLoan3"><a href="/personal-loans/secured-fixed-car-loan"><span>Secured Fixed Car Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_UnsecuredGreenLoan3"><a href="/personal-loans/unsecured-green-personal-loan"><span>Unsecured Green Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_GreenCarLoan3"><a href="/personal-loans/electric-car-loan"><span>Green Car Loan</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarLoans1"><a href="/personal-loans/car-loan"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Loans</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarLoans2"><a href="/personal-loans/car-loan">See All Car Loans</a></div><div class="main-menu_primary-item-group-item" id="menu_Usedcarloan3"><a href="/personal-loans/used-car-loans"><span>Used car loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Refinancecarloan3"><a href="/personal-loans/refinance-my-car-loan"><span>Refinance car loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">I need a loan for...</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Debtconsolidation3"><a href="/personal-loans/debt-consolidation"><span>Debt consolidation</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Renovations3"><a href="/personal-loans/home-renovation-loan"><span>Renovations</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Travel3"><a href="/personal-loans/travel-loan"><span>Travel</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Education3"><a href="/personal-loans/education"><span>Education</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Mywedding3"><a href="/personal-loans/wedding-loans"><span>My wedding</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Medical3"><a href="/personal-loans/medical-loans"><span>Medical</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Boat3"><a href="/personal-loans/boat-loans"><span>Boat</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Caravan3"><a href="/personal-loans/caravan-loans"><span>Caravan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title"><div class="main-menu_primary-item-group-heading-nolink">Calculators</div></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item" id="menu_Repaymentscalculator3"><a href="/personal-loans/personal-loans-repayment-calculator"><span>Repayments calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Borrowingpowercalculator3"><a href="/personal-loans/personal-loans-borrowing-power-calculator"><span>Borrowing power calculator</span></a></div><div class="main-menu_primary-item-group-item" id="menu_Carloancalculator3"><a href="/personal-loans/car-loan/car-loan-calculator"><span>Car loan calculator</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Applyonline6mobilea384271modalapply-personal-loan"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.greatsouthernbank.com.au/personal-loans?modal=apply-personal-loan" >Apply online</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Frequentlyaskedquestions6mobile397449"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/help-and-contact/support/faqs/personal-loans" >Frequently asked questions</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Comparepersonalloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare personal loans</div><div class="main-menu_primary-item-promo-copy">Unsure which personal loan to choose? Compare rates, features, and loan purpose here.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare personal loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparepersonalloans40"><a href="/personal-loans/compare" aria-label="Compare Great Southern Bank personal loans rates, features and loan purpose here">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Business</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Business</div> <div class="main-menu_primary-item-content-blurb"> Business banking built for smaller small businesses. </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6desktop394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6desktop507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessbankaccounts1"><a href="/business-banking/business-bank-accounts"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business bank accounts</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessbankaccounts2"><a href="/business-banking/business-bank-accounts">See All Business bank accounts</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessAccount3"><a href="/business-banking/business-bank-accounts/business-plus-account"><span>Business+ Account</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessSaver3"><a href="/business-banking/business-bank-accounts/business-plus-saver"><span>Business+ Saver</span></a></div><div class="main-menu_primary-item-group-item" id="menu_EverydayBusinessAccount3"><a href="/business-banking/business-bank-accounts/everyday-business-account"><span>Everyday Business Account</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessloansampfinance1"><a href="/business-banking/loans-finance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-finance"></use></svg>Business loans & finance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessloansampfinance2"><a href="/business-banking/loans-finance">See All Business loans & finance</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredLoan3"><a href="/business-banking/loans-finance/business-plus-loan"><span>Business+ Unsecured Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessUnsecuredOverdraft3"><a href="/business-banking/loans-finance/business-plus-overdraft"><span>Business+ Unsecured Overdraft</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessVehicleLoan3"><a href="/business-banking/loans-finance/business-plus-vehicle-loan"><span>Business+ Vehicle Loan</span></a></div><div class="main-menu_primary-item-group-item" id="menu_SecuredBusinessLoan3"><a href="/business-banking/loans-finance/secured-business-loan"><span>Secured Business Loan</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_Businessdigitalbanking1"><a href="/business-banking/business-plus-digital-banking"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--business-banking"></use></svg>Business+ digital banking</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_Businessdigitalbanking2"><a href="/business-banking/business-plus-digital-banking">See All Business+ digital banking</a></div><div class="main-menu_primary-item-group-item" id="menu_BusinessInvoices3"><a href="/business-banking/business-plus-digital-banking/business-plus-invoices"><span>Business+ Invoices</span></a></div><div class="main-menu_primary-item-group-item" id="menu_DigitalWallets3"><a href="/digital-banking/digital-wallet"><span>Digital Wallets</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BankFeeds3"><a href="/business-banking/business-hub/setting-up-bank-feeds-with-business-plus"><span>Bank Feeds</span></a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businessbanking6mobile394541"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking" >Business banking</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Businesshub6mobile507930"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/business-banking/business-hub" >Business hub</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg main-menu_primary-item-promo-wrap--with-image"> <div class="lazyload main-menu_primary-item-promo-image" data-sizes="auto" data-bgset=" https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-xs.webp [(max-width: 1200px)] | https://www.greatsouthernbank.com.au/__data/assets/image/0024/522753/varieties/img-sm.webp "></div><div class="main-menu_primary-item-promo" id="menu_Comparebusinessloans70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Compare business loans</div><div class="main-menu_primary-item-promo-copy">Find the right loan to grow your small business</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare business loans</a><div class="main-menu_primary-item-promo-link" id="menu_Comparebusinessloans40"><a href="/business-banking/loans-finance/compare" aria-label="Compare business loans">Compare now</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-item"> <div class="main-menu_primary-item-title"> <div class="main-menu_primary-item-title-text">Insurance</div> </div> <div class="main-menu_primary-item-content box-rad-bl-24-lg box-rad-br-24-lg"> <div class="main-menu_primary-item-content-inner"> <div class="main-menu_primary-item-content-intro"> <div class="main-menu_primary-item-back-mobile"> Back </div> <div class="main-menu_primary-item-content-heading">Insurance</div> <div class="main-menu_primary-item-content-blurb"> <div class="main-menu_primary-item-content-blurb-select select-bravo__wrap"> <div class="nice-select select-bravo select-bravo-sm ml-0 ml-05-lg" tabindex="0"><span class="current">Get a quote for...</span> <ul class="list"> <li id="mega-nav-quote-car" data-value="1" class="option selected focus"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/motor/new?fi=CUA"><span class="color-neutral-900">Car</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-home" data-value="2" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/home/new?fi=CUA"><span class="color-neutral-900">Home</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-landlord" data-value="3" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/landlord/new?fi=CUA"><span class="color-neutral-900">Landlord</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-caravantailer" data-value="4" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.einsure.com.au/DSP/personal/web/caravan/new?fi=CUA"><span class="color-neutral-900">Caravan & Trailer</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-travel" data-value="5" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://www.greatsouthernbank.com.au/insurance/travel"><span class="color-neutral-900">Travel</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> <li id="mega-nav-quote-life" data-value="6" class="option"> <a class="paragraph-2 link-2a d-flex direction-row justify-between" rel="noopener" href="https://direct.zurich.com.au/greatsouthernbank?IntermediaryID=cua&ProductID=EZLU"><span class="color-neutral-900">Life</span> <div class="icon-css icon-external-heritageteal icon-size-2"></div> </a> </li> </ul> </div> </div> </div> <div class="main-menu_primary-item-content-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6desktop389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6desktophttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> </div> <div class="main-menu_primary-item-main"> <div class="main-menu_primary-item-sections"> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CarInsurance1"><a href="/insurance/car-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--car"></use></svg>Car Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CarInsurance2"><a href="/insurance/car-insurance">See All Car Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_Comprehensive3"><a href="/insurance/car-insurance/comprehensive-car-insurance"><span>Comprehensive</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ThirdParty3"><a href="/insurance/car-insurance/third-party-property-damage"><span>Third Party</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_HomeInsurance1"><a href="/insurance/home-and-contents-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--home-contents"></use></svg>Home Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_HomeInsurance2"><a href="/insurance/home-and-contents-insurance">See All Home Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_HomeampContents3"><a href="/insurance/home-and-contents-insurance"><span>Home & Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/home-and-contents-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/home-and-contents-insurance"><span>Contents Only</span></a></div></div></div></div> </div> <div class="main-menu_primary-item-section"> <div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LandlordInsurance1"><a href="/insurance/landlord-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-product--home-loan-investment"></use></svg>Landlord Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LandlordInsurance2"><a href="/insurance/landlord-insurance">See All Landlord Insurance</a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingandContents3"><a href="/insurance/landlord-insurance"><span>Building and Contents</span></a></div><div class="main-menu_primary-item-group-item" id="menu_BuildingOnly3"><a href="/insurance/landlord-insurance"><span>Building Only</span></a></div><div class="main-menu_primary-item-group-item" id="menu_ContentsOnly3"><a href="/insurance/landlord-insurance"><span>Contents Only</span></a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_CaravanandTrailerInsurance1"><a href="/insurance/caravan-and-trailer-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--caravan"></use></svg>Caravan and Trailer Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_CaravanandTrailerInsurance2"><a href="/insurance/caravan-and-trailer-insurance">See All Caravan and Trailer Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_TravelInsurance1"><a href="/insurance/travel"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--plane"></use></svg>Travel Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_TravelInsurance2"><a href="/insurance/travel">See All Travel Insurance</a></div></div></div></div><div class="main-menu_primary-item-group"><div class="main-menu_primary-item-group-heading " data-generic-accordion="title" id="menu_LifeInsurance1"><a href="/insurance/life-insurance"><span><svg class="icon icon_reset"><use xlink:href="/media/svgs/icons-main.svg#icon-outline-misc--heart"></use></svg>Life Insurance</span></a></div><div class="main-menu_primary-item-group-list " data-generic-accordion="content"><div class="main-menu_primary-item-group-list-inner"><div class="main-menu_primary-item-group-item main-menu_primary-item-group-item--mobile" id="menu_LifeInsurance2"><a href="/insurance/life-insurance">See All Life Insurance</a></div></div></div></div> </div> </div> <div class="main-menu_primary-item-mobile-quicklinks"> <div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Exploreallinsurance6mobile389048"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="/insurance" rel="noopener" id="mega-nav-all-insurance" >Explore all insurance</a></div><div class="main-menu_primary-item-quicklink ph-2 ph-0-md" id="menu_Makeaclaim6mobilehttps:wwwallianzcomauclaimshtml"><a class="d-flex direction-row justify-between align-center pv-2 ph-0" href="https://www.allianz.com.au/claims.html" target="_blank" rel="noopener" id="mega-nav-claim" >Make a claim</a></div> </div> <div class="main-menu_primary-item-promo-wrap "><div class="main-menu_primary-item-promo-bg"><div class="main-menu_primary-item-promo-gradient"></div><div class="main-menu_primary-item-promo" id="menu_Homeandcontentsinsurance70"><div class="main-menu_primary-item-promo-container"><div class="main-menu_primary-item-promo-heading">Home and contents insurance</div><div class="main-menu_primary-item-promo-copy">Insure the things you love and that make your house a home, with home and contents insurance.</div><a class="main-menu_primary-item-promo-absolute-link sr-only" href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Home and contents insurance</a><div class="main-menu_primary-item-promo-link" id="menu_Homeandcontentsinsurance40"><a href="/insurance/home-and-contents-insurance" aria-label="Learn more about Great Southern Bank home and contents insurance">Learn more</a></div></div></div></div></div> </div> </div> </div> </div> <div class="main-menu_primary-misc"> <div class="main-menu_primary-misc-inner top-border-gray"> <div class="main-menu_primary-misc-links"> <div class="main-menu_primary-misc-block"> <div 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module-479848 bg-neutral-100"> <div class="article-banner_inner module-479848_inner page_content-row_inner d-flex justify-stretch direction-column "><div class="article-banner_breadcrumb d-none d-block-lg mt-4 module-479848_breadcrumb"> <ul class="article-banner_breadcrumb_list module-479848_breadcrumb_list"><li class="article-banner_breadcrumb_item module-479848_breadcrumb_item"> <a href="https://www.greatsouthernbank.com.au" class="article-banner_breadcrumb_link ">Home</a> </li><li class="article-banner_breadcrumb_item module-479848_breadcrumb_item"> <a href="https://www.greatsouthernbank.com.au/credit-cards" class="article-banner_breadcrumb_link ">Credit Cards</a> </li><li class="article-banner_breadcrumb_item module-479848_breadcrumb_item"> <a href="https://www.greatsouthernbank.com.au/credit-cards/credit-card-glossary" class="article-banner_breadcrumb_link article-banner_breadcrumb_link--is-active">Credit Card Glossary </a> </li></ul></div><div class="article-banner_text module-479848_text d-flex direction-column justify-center flex-1 pv-3 pt-1-lg pb-5-lg"> <h1 class="article-banner_title display-3 color-deepocean mv-0 module-479848_title"> <div class="pb-4 pt-2 pt-5-md pb-6-md">Credit Card Glossary</div> </h1> <div class="article-banner_nested module-479848_nested"> <div class="article-banner_nested-container"> <div class="row justify-center"> <div class="col col-8-md"> <div class="text-field__wrap text-field--search mb-2"> <div class="text-field text-field-md text-field-search-md"> <a class="text-field__clear paragraph-3 color-primary-600" data-input-clear>Clear</a> <input type="text" name="search" placeholder="Find a term..." data-list-input> </div> </div> <div class="text-left"> <span class="paragraph-4-bold d-block-sm-down mb-2-xs">COMMON TERMS</span> <a class="paragraph-3 color-deepocean ml-3-md mb-2-xs d-block-sm-down" href="#" data-list-search-term>Statement cycle</a> <a class="paragraph-3 color-deepocean ml-3-md mb-2-xs d-block-sm-down" href="#" data-list-search-term>Credit score</a> <a class="paragraph-3 color-deepocean ml-3-md d-block-sm-down" href="#" data-list-search-term>Interest-free days</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div data-component="Basic Module" data-cid="basic" data-aid="480124" class="basic-module module-480124 page_content-row spacing-top--md spacing-bottom--none "> <div class="basic-module_inner module-480124_inner page_content-row_inner"> <h4 class="headline-4-regular" data-glossary-intro="">Credit card jargon can be confusing sometimes. Our Credit Card Glossary is here to help. Search the definitions of common credit card terms, all explained in easy-to-understand language so you can manage your credit card with confidence.</h4> </div> </div> <div id="component_479968"> <div class="page_content-row"> <div class="page_content-row_inner"> <div id="glossary-list" class="glossary-list row row-gap mb-3" data-list-wrapper> <div class="list"><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Additional cardholder</h2> <div class="paragraph-2 color-neutral-900"><p>As the primary cardholder, you can allow another person to have a card on your account – this is known as an additional cardholder. Please note, the <a href='#' class='link-secondary-b' data-list-search-term >primary cardholder</a> is legally responsible for transactions made by the additional cardholder.</p></div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Annual fee</h2> <div class="paragraph-2 color-neutral-900">This is the fee charged annually for the use of the credit card. </div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Annual Percentage Rate (APR)</h2> <div class="paragraph-2 color-neutral-900">This is the rate applicable to retail purchases that do not qualify for an interest free period.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Average daily balance</h2> <div class="paragraph-2 color-neutral-900">The average daily balance is determined by adding up all balances during the month and then dividing the total sum by the number of days in a given billing cycle. Most credit card providers calculate the average <a href='#' class='link-secondary-b' data-list-search-term>daily balance</a> based on the <a href='#' class='link-secondary-b' data-list-search-term>annual percentage rate</a>. </div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Bank Identification Number (BIN)</h2> <div class="paragraph-2 color-neutral-900">This is a unique identifying number of a financial institution – typically represented within the first six digits of a debit or credit card. </div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Balance transfer</h2> <div class="paragraph-2 color-neutral-900">This is the act of transferring the outstanding balance on your credit card to another card, usually with a lower rate.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Balance transfer fee</h2> <div class="paragraph-2 color-neutral-900">A fee charged when making a <a href='#' class='link-secondary-b' data-list-search-term>balance transfer</a>. It may be a flat fee or a percentage of the transfer.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Balance transfer interest</h2> <div class="paragraph-2 color-neutral-900">This is the interest charged for the money paid by <a href='#' class='link-secondary-b' data-list-search-term>balance transfer</a> to your credit or store card with another financial institution.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Billing Cycle</h2> <div class="paragraph-2 color-neutral-900">The days during a given statement period in which transactions are recorded.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Buy Now Pay Later (BNPL) / Instalment Payments</h2> <div class="paragraph-2 color-neutral-900">A function that allows the cardholder to pay off a portion of their balance (or a purchase) in set repayment amounts over a defined time period, separate to Interest Free Day(s) rules (where applicable).</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Cash advance</h2> <div class="paragraph-2 color-neutral-900">Withdrawing cash from a credit card is called a cash advance. Cash advances usually incur additional fees and/or a higher rate of interest.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Cash advance interest rate</h2> <div class="paragraph-2 color-neutral-900">This is the interest charged on cash advance balances.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Cash-advance fee (CAD)</h2> <div class="paragraph-2 color-neutral-900">A fee charged when you use a credit card for a cash advance, such as withdrawing cash from an ATM. This may be a flat fee or a percentage of the amount of the cash advance.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Card Reader</h2> <div class="paragraph-2 color-neutral-900">An electronic device that reads the encoded chips or magnetic strips in credit cards or debit cards. More commonly known as a Merchant Terminal – and are used to gain approval for transactions at the point of sale.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Cloning</h2> <div class="paragraph-2 color-neutral-900">This is the term used when a credit card has been fraudulently duplicated. It is also known as 'card skimming'.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Cashback</h2> <div class="paragraph-2 color-neutral-900">Some credit card providers offer cash payments / credits back to a credit card, based on a cardholder's spending pattern(s).</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Chargeback</h2> <div class="paragraph-2 color-neutral-900">The process of 'charging back' an amount from a prior transaction from a merchant. This often happens as a result of a dispute raised by the cardholder against the <a href='#' class='link-secondary-b' data-list-search-term>merchant</a>.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Charge card</h2> <div class="paragraph-2 color-neutral-900">Rather than having a set <a href='#' class='link-secondary-b' data-list-search-term>credit limit</a> / <a href='#' class='link-secondary-b' data-list-search-term>credit line</a>, with this type of card the <a href='#' class='link-secondary-b' data-list-search-term>closing balance</a> of the <a href='#' class='link-secondary-b' data-list-search-term>statement cycle</a> period must be paid off by the specified due date.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Closing balance</h2> <div class="paragraph-2 color-neutral-900">This is the total amount payable (sum of all transactions including any fees and charges) payable within a statement cycle period.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit bureau / Credit reporting agency</h2> <div class="paragraph-2 color-neutral-900">A credit bureau is a company that collects, holds and distributes data from credit providers about a borrower’s financial history. This information is then used to calculate your <a href='#' class='link-secondary-b' data-list-search-term>credit score</a> which is recorded on your <a href='#' class='link-secondary-b' data-list-search-term>credit report</a>. There are three main credit agencies in Australia – Experian, Equifax and Illion – which all use their own scoring system to determine your credit score.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit Card</h2> <div class="paragraph-2 color-neutral-900">A card issued by a bank to a customer with an approved <a href='#' class='link-secondary-b' data-list-search-term>credit limit</a> / <a href='#' class='link-secondary-b' data-list-search-term>credit line</a> that a customer can spend up to and repay at a later date, usually with <a href='#' class='link-secondary-b' data-list-search-term>interest</a> when the <a href='#' class='link-secondary-b' data-list-search-term>closing balance</a> is not repaid in full by the due date.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit card number</h2> <div class="paragraph-2 color-neutral-900">This is the number imprinted on your credit card and it is unique to your credit card account. The first six digits are the issuer's <a href='#' class='link-secondary-b' data-list-search-term>Bank Identification Number (BIN)</a>.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit limit / Credit Line</h2> <div class="paragraph-2 color-neutral-900">The maximum amount you can spend with your credit card before having to pay off some of the balance is called your credit limit/ credit line.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit report</h2> <div class="paragraph-2 color-neutral-900">This is a history of loan and bill payments, kept by a <a href='#' class='link-secondary-b' data-list-search-term>credit bureau</a> and used by financial institutions and other potential <a href='#' class='link-secondary-b' data-list-search-term>creditors</a> to determine the likelihood that your future debt will be repaid. Lenders and insurers use information from credit reports, along with your credit score, to set loan and insurance rates.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Credit score</h2> <div class="paragraph-2 color-neutral-900">A number that summarises your credit record and history. The score is based on several factors, including whether you pay your bills on time, your current level of debt, the types of credit and loans you have, and the length of your credit history.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Creditor</h2> <div class="paragraph-2 color-neutral-900">This is the term for the bank or lender that is owed money.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>CVC / CVV / CID </h2> <div class="paragraph-2 color-neutral-900">A security verification code found on a credit card, sometimes as a 3 or 4-digit number on the back or front of the card. This code helps verify authenticity, typically requested with over-the-phone transactions. Depending on the card, it may be called a CID (American Express), CVV2 (Visa), or CVC2 (Mastercard). When you pay for something online, by mail order or over the phone you may be asked to quote the CVC to prove that you have the credit card in front of you.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Debit card</h2> <div class="paragraph-2 color-neutral-900">A debit card is a card linked to your savings account which uses your own funds to complete a transaction.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Debt consolidation</h2> <div class="paragraph-2 color-neutral-900">Debt consolidation is the process of taking out a new loan to pay off other existing loans.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Default</h2> <div class="paragraph-2 color-neutral-900">When a customer fails to make the necessary payments on a loan or <a href='#' class='link-secondary-b' data-list-search-term>credit card</a> debt. Defaults can be detrimental to your <a href='#' class='link-secondary-b' data-list-search-term>credit report</a> and can impact your ability to be approved for a loan or credit card in the future.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Direct debit</h2> <div class="paragraph-2 color-neutral-900">A direct debit is an automatic payment you can set up for your regular bills, so you never miss a payment. Most people set up direct debits for things like rent, insurance or gym memberships. Direct debits can also be set up from a bank account to make repayments to a credit card.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>EFT</h2> <div class="paragraph-2 color-neutral-900">Electronic Funds Transfer is the transfer of money between accounts by electronic machines like ATMs, home computers, and EFTPOS machines.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>EFTPOS</h2> <div class="paragraph-2 color-neutral-900">Electronic Funds Transfer at Point Of Sale. Usually, this refers to a small machine that <a href='#' class='link-secondary-b' data-list-search-term>merchants</a> use to receive payments from credit and debit cards.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Full balance</h2> <div class="paragraph-2 color-neutral-900">This is the entire amount spent on your card that month.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Foreign Exchange Fee / FX Fee</h2> <div class="paragraph-2 color-neutral-900">A fee charged when a purchase is made in a foreign currency.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Interchange fee</h2> <div class="paragraph-2 color-neutral-900">Fees paid between your bank and a merchant's bank to accept card transactions.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Interest</h2> <div class="paragraph-2 color-neutral-900">This is the money paid regularly at a particular <a href='#' class='link-secondary-b' data-list-search-term>interest rate</a> for the use of money lent, or for delaying the repayment of a debt.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Interest rate</h2> <div class="paragraph-2 color-neutral-900">This is the rate at which your outstanding balance increases per payment period when it goes unpaid.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Interest-free days</h2> <div class="paragraph-2 color-neutral-900">This is the number of days you have to pay your bill in full before an <a href='#' class='link-secondary-b' data-list-search-term>interest</a> charge is assessed on purchases. It is the period of time between the date of a purchase and when the payment is due. This period typically does not apply to <a href='#' class='link-secondary-b' data-list-search-term>cash advances</a>.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Interest free period</h2> <div class="paragraph-2 color-neutral-900">Most credit cards offer an interest free period on purchases up to a certain number of days. Your interest free period is the time between when you make a purchase and the due date for payment on your statement – as long as you pay the full amount owing by the due date and don't already owe money on your credit card from a previous statement.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Introductory rate</h2> <div class="paragraph-2 color-neutral-900">Some credit cards come with a special, lower <a href='#' class='link-secondary-b' data-list-search-term>balance transfer</a> and/or annual <a href='#' class='link-secondary-b' data-list-search-term>purchase rate</a> when you first open them. These are called introductory rates and last only for a set period of time – after any introductory rates end, you'll roll on to a standard rate set out by the Bank.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Late payment fee</h2> <div class="paragraph-2 color-neutral-900">A late payment fee is a fee payable if your credit card provider hasn't received your <a href='#' class='link-secondary-b' data-list-search-term>minimum payment</a> by the due date on your statement.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Merchant</h2> <div class="paragraph-2 color-neutral-900">The retailer / shop / seller of a good or service that accepts a cardholder's payment is known as a merchant.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Minimum payment</h2> <div class="paragraph-2 color-neutral-900">This is the listed minimum payment your credit card statement that you are required to pay at the end of the month.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Monthly statement </h2> <div class="paragraph-2 color-neutral-900">Each month you receive a statement, summarising your credit card account for that month. This includes:<ul><li>Details of all your transactions for that statement period</li><li>Any interest, charges or fees</li><li>Your opening balance</li><li>Your closing balance</li><li>The minimum amount due</li><li>The <a href='#' class='link-secondary-b' data-list-search-term>payment due date</a></li></ul></div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>MOTO (Mail Order / Telephone Order)</h2> <div class="paragraph-2 color-neutral-900">These are transactions completed by a cardholder with a <a href='#' class='link-secondary-b' data-list-search-term>merchant</a> where the card is not physically present.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Over Limit Fee</h2> <div class="paragraph-2 color-neutral-900">This is a penalty fee charged to you for exceeding your <a href='#' class='link-secondary-b' data-list-search-term>credit limit</a>.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Payment due date</h2> <div class="paragraph-2 color-neutral-900">This is the date your credit card payment is due. You’ll find the payment due date on your monthly statement, and you must pay the minimum payment by its due date.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Personal Identification Number (PIN)</h2> <div class="paragraph-2 color-neutral-900">All credit cards issued in Australia require a PIN to use. This is a secret 4 digit number known only to the cardholder to authorise point of sale (card present / physical) transactions.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Penalty fees</h2> <div class="paragraph-2 color-neutral-900">A penalty fee is a fee charged if you violate the terms of your cardholder agreement or other requirements related to your account. For example, your bank may charge a penalty fee if you make a late payment or if you exceed your credit limit.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Primary Cardholder / Account Holder</h2> <div class="paragraph-2 color-neutral-900">The cardholder legally responsible for the credit card account, transactions made on the account as well as the associated repayments.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Rewards program</h2> <div class="paragraph-2 color-neutral-900">A Rewards Program will often consist of provision of “Rewards Points” to the cardholder provided based on transaction activity / spend. Reward Points can then typically be used to redeem gift cards, cash back, flights & hotels and/ or general merchandise.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>Statement Period / Statement Cycle</h2> <div class="paragraph-2 color-neutral-900">This refers to the period of time in which purchases are made and recorded to form the closing balance at statement generation date.</div> </div><div class="col mb-4"> <h2 class="paragraph-2-bold color-deepocean mb-1 js-list-item-title" data-list-item-title>To 'Carry a balance'</h2> <div class="paragraph-2 color-neutral-900">Carrying a balance refers to not paying off the entire amount owed, in full, when the bill comes due.</div> </div></div></div></div></div> </div>  </div> </div>  <div class="page_content-bottom normal-page_content-bottom layout-generic_content-bottom page-479844_content-bottom"> <div class="page_content-bottom-inner 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