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Bank Accounts

Make interest rates work for you: how to earn high interest on your savings.

SHOULD I PAY OFF MY CREDIT CARD FIRST? Credit cards typically charge the highest rates so paying them off will give you your highest effective interest rate, but don't pay off so much that you may need to borrow it back next month.

Most credit cards charge a flat fee of around 2% for cash withdrawals plus interest of over 1% per month (12% p.a.). If you borrowed for a single month, it would cost over 3% - equivalent to 36% p.a.!