Spoiler: It’s not your balance or your limit—it’s how much of that limit you’re using right now. In credit-bureau speak, that ratio is called credit-card utilisation, and, yes, it absolutely feeds into the credit-score models used by Centrix, Equifax and illion here in NZ.

Stop feeding zombie apps! Slice forgotten subs, pocket extra cash, and enjoy real treats instead of those invisible monthly drains.

Imagine this: you’ve finally found the car you’ve been eyeing, or you're ready to consolidate a few bills and tidy up your finances. You apply for a loan—and then, out of nowhere, you’re declined. No explanation, just a polite ‘no.’

We often think of debt as being a bit of a negative thing.

If you’re trying to get a handle on your finances, a budget could be a great tool to help propel you towards your goals.