How credit cards work – things to consider | ASB

Learn how credit cards work, and things to consider when getting one. Visit or watch more ASB money tips at

Our guide includes: how credit cards work, the advantages of credit cards and how you are charged.

There are different credit cards suited to different types of spending. It’s important that you select the right credit card for your needs.

Advantages of credit cards can include access to complementary services and rewards and having the security of knowing you have extra money if needed.

Each month, you will receive a credit card statement including the purchases, interest and fees for the previous month. This statement will advise you the full amount owing as well as the minimum amount you need to pay.

If you think a credit card could be right for you, compare the credit cards offered by ASB.

ASB credit card criteria and terms apply.

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