Guide to credit cards for beginners

Understand how credit cards work, what they cost and how to choose the right one for you.

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Credit cards give you a way to buy what you want now and pay it off over time. You get a set amount you can spend, known as your credit limit, and receive statements each month. Usually, you'll pay interest when you carry a balance on your card. But there are also ways to avoid interest, including interest-free days, 0% interest rate offers and cards that charge a monthly fee but no interest. Other common credit card features include annual fees, rewards and complimentary extras.

Here, we explain the key features and standard costs of a credit card so you can find the right one for your budget and spending habits. You can also find out what types of credit cards are suited to beginners and the mistakes you should avoid to get your credit card history off to a good start.

How does a credit card work?

A credit card works as an unsecured revolving line of credit. "Unsecured" because there is no asset as collateral (such as a car or home) and "revolving" because you can use the card on an ongoing basis (unlike, say, a personal loan that you use and pay off over a set term). So you can use the card for your spending, then get a monthly statement that tells you the total amount you owe for that billing period. You then have the choice of paying some or all of the amount off, with a minimum required payment that's usually around 2-3% of what you owe.

The maximum amount you can spend with your credit card is known as your credit limit. This is assigned by the credit card provider based on your perceived ability to make repayments (although you can include a credit limit request when you apply). Unlike a debit card that lets you spend your own money, you are borrowing the bank's money when you use a credit card and if you don't pay it back on time you are charged interest.

How credit card interest works

When you pay with a credit card, your spending will attract interest charges unless it is eligible for an interest-free period (or you have a no interest monthly fee card). When interest does apply, there could be different rates depending on the type of transaction. For example, the interest rate for purchases typically ranges from 8.99% p.a. to 21.99% p.a., while for cash advances it is often around 18.99% p.a. to 21.99% p.a.

Credit card interest is calculated based on your account's daily outstanding balance, then charged monthly at the end of the statement period. This means you could save on interest charges by making more than one payment per month. You can check out Finder's credit card repayment calculator to learn more about this.

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What are the features of a credit card?

  • Credit limit. This is the maximum amount of money you can borrow using your credit card. While you can request a specific credit limit at the time of application, your credit card will be determined by the bank based on your income and credit history. Note that minimum credit limits do apply and can range between $500 and $15,000 depending on the card. While you don't have to spend all your credit limit, you'll want to make sure that the minimum credit limit doesn't exceed the maximum you had in mind.
  • Interest-free days. Most credit cards give you a way to make interest-free purchases by offering up to 44 or 55 days interest-free. The interest-free period begins on the first day of your statement period, and run through to the due date for a payment at the end of that statement period. Interest-free days usually only apply if you've paid your entire balance in full.
  • Balance transfers. If you're struggling to pay off an existing debt, you can transfer the balance to a credit card with a different provider and get an introductory low or 0% interest rate on the balance transfer for an introductory period. This will give you time to pay down your debt while paying low or no interest rate on the balance. If you still have debt from the balance transfer at the end of the introductory period, a higher rate of interest will apply.
  • Cash advances. Using your credit card to withdraw cash from an ATM, make gambling purchases, buy foreign currency or pay some bills will be considered as cash advance transactions. Cash advances attract a cash advance fee, are not eligible for interest-free days and usually attract a higher cash advance interest rate.
  • Rewards programs. A rewards credit card gives you a way to get rewards when you pay by card. Usually, you'll earn points through a rewards or frequent flyer program and can then redeem them for travel, gift cards, retail items or cash back. A few other cards offer cashback rewards instead of points. Many rewards cards also offer thousands of bonus points when you meet a spend requirement after signing up. However, these cards often come with higher annual fees and purchase rates.
  • Contactless and mobile payments. For purchases under $100, you can tap to pay with your credit card at the checkout without needing to enter a PIN. A lot of cards also offer contactless mobile payments when you add them to Apple Pay, Google Pay, Samsung Pay and other mobile wallets.
  • Insurance covers. Lots of credit cards offer some form of complimentary insurance. This can range from purchase protection insurance and extended warranty cover to overseas medical travel insurance and transit accident insurance. Usually, the more premium cards offer more comprehensive cover, but it's always worth checking the insurance information booklet for full details.
  • Extra features. Some credit cards come with extras such airport lounge access, concierge services, invitations to exclusive events, discounts with partnered retailers and much more.

What are the costs of a credit card?

  • Repayments. Although you're required to make the minimum repayment when your statement is issued, you're free to repay as much as you like and as often as you like beyond this minimum. The minimum repayment is usually only 2% or 3% of your outstanding balance, so it's best to pay your account in full (or as much as you can) each statement period to reduce your interest costs. You will pay a late payment fee if you don't make the minimum repayment by the statement due date.
  • Annual fee. This is the cost of the credit card account. Annual fees range from $0 to $500 or more depending on the type of credit card. The credit card annual fee is deducted from your available credit limit and accrues interest at the purchase rate if it isn't paid in the first statement period.
  • Interest rates. Interest is the price you pay to borrow money. Credit card interest rates are much higher than other types of finance because credit cards are an unsecured product. This means financial institutions cannot take your assets if you default on your repayments. You can avoid interest charges if you get a no interest monthly fee credit card or take advantage of interest-free days. You could also save on interest with a card that offers 0% p.a. for an introductory period.
  • Other fees. Other fees you may run into include late payment fees, overlimit fees (a fee for spending past your credit limit), rewards program membership fees and cash advance fees.

What types of credit cards are suitable for beginners?

woman with credit card pointing at the laptop screen on her husband's lap

In Australia, banks, financial institutions and different retail brands offer credit cards through the Visa, Mastercard and American Express payment networks. This basically means you'll see one of those logos on your credit card and can use it with any business that accepts that type of payment.

Beyond these basics, there are different types of credit cards to suit a mix of goals and needs. For instance, low rate credit cards have a low interest rate for purchases and often a lower annual fee, while rewards and platinum credit cards often charge high rates of interest and a higher annual fee.

If you're new to credit cards and want to get used to having one, it's worth considering a low-cost or no-frills credit card before upgrading to one with bells and whistles. Some options you might want to look at include:

  • Low interest credit cards. Low interest rate credit cards make it cheaper to pay off a debt over time. These credit cards can also offer a low or 0% interest rate on purchases for a promotional period. Low interest credit cards are suited to beginners still finding their feet making repayments.
  • No annual fee credit cards. This type of credit card costs nothing to own upfront. However, the rates of interest can be higher than low rate credit cards. A no annual fee credit card can sit in your wallet, never come out and it won’t cost you a thing. These types of credit cards are suited to beginners who are looking to build their credit history but don’t want to go all-out on a credit card with loads of features.
  • No interest monthly fee credit cards. First launched in Australia in 2020, these cards don't ever charge interest on your balance. Instead, there is a monthly fee of around $10-$22 when you use the card (as well as minimum repayments). This can make it simpler to work out how much you're charged each month, but it's worth using a credit card interest calculator to compare the cost of a no interest monthly fee credit card with other cards that charge interest.
  • Low income credit cards. Low minimum income credit cards have a low credit limit. Typically your annual income must be about $15,000 or greater to service the minimum credit limit of $500. Low income credit cards are typically either low rate or low fee credit cards.
  • Student credit cards. If you're studying at university or TAFE and want to get a credit card, there are some student credit card options that offer lower costs than other cards.

What about rewards credit cards?

If the reason you want a credit card is to earn rewards as you spend, a key factor is making sure you get more value from rewards than what you spend on the card. This could mean choosing a rewards card with a low or $0 annual fee, making sure you pay off the entire balance each month (so you get interest-free days for purchases), choosing rewards based on their dollar value – or a mix of tactics. You can check out Finder's rewards credit cards guide to learn more about them and compare different options.

Compare low interest rate, no annual fee and student credit card options

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59
0% p.a. for 24 months with 1% balance transfer fee
A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bendigo Bank Low Rate Credit Card
0% p.a. for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45
13.99% p.a.
Get 0% p.a. on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days. Ends 31 Jan 2021.
Coles No Annual Fee Mastercard
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
Bankwest Breeze Classic Mastercard
10.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
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Data indicated here is updated regularly
Name Product Annual fee Purchase rate Balance transfer rate
Coles No Annual Fee Mastercard
$0
0% p.a. for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
Citi Simplicity Card
$0
0% p.a. for 6 months, reverts to 21.49% p.a.
0% p.a. for 6 months
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
St.George Vertigo Classic
$0 annual fee for the first year ($55 p.a. thereafter)
13.99% p.a.
0% p.a. for 24 months
Get 0% p.a. promotional balance transfer rate, with no balance transfer fee. Plus, save with a first-year annual fee waiver.
ANZ Low Rate
$0 annual fee for the first year ($58 p.a. thereafter)
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
HSBC Platinum Credit Card - Balance Transfer Offer
$0 annual fee for the first year ($129 p.a. thereafter)
19.99% p.a.
0% p.a. for 26 months with 1% balance transfer fee
Enjoy a 26-month balance transfer offer, a first-year annual fee waiver and complimentary travel insurance.
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Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee Min credit limit Max credit limit Minimum income
Qantas American Express Discovery Card
20.74% p.a.
$0
$2,000
$35,000
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$59
$1,000
$25,000
$15,000
A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 24 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
$80,000
Get 0% p.a. promotional balance transfer rate, with no balance transfer fee. Plus, save with a first-year annual fee waiver.
Bank of Melbourne Vertigo Classic
13.99% p.a.
0% p.a. for 24 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
$80,000
Save with a 0% p.a. interest for 24 months on balance transfers, with no balance transfer fee. Plus, a $0 first-year annual fee.
NAB StraightUp Card
N/A
$0
$1,000
$3,000
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
BankSA Vertigo
13.99% p.a.
0% p.a. for 24 months
$0 annual fee for the first year ($55 p.a. thereafter)
$500
$80,000
Enjoy a 0% p.a. for 24 months on balance transfers, with no balance transfer fee. Plus, $0 first-year annual fee.
BankSA No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0
$500
$40,000
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
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Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59
0% p.a. for 24 months with 1% balance transfer fee
A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.
Bendigo Bank Low Rate Credit Card
0% p.a. for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45
13.99% p.a.
Get 0% p.a. on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days. Ends 31 Jan 2021.
Coles No Annual Fee Mastercard
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
Bankwest Breeze Classic Mastercard
10.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
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How to apply for a credit card

Once you've found a credit card you want, applying is simple. Usually, you can fill in a secure application form online in around 10-20 minutes if you have all the key details handy. This usually includes basic identification details, your living situation, employment and other financial details including whether you have savings or other assets, what loans or cards you have and an estimate of your regular expenses.

Before you get started, you should make sure you're eligible to apply. The requirements vary between cards but we've listed some common eligibility criteria below:

Eligibility criteria

  • Australian residency status. Often you must be an Australian citizen or permanent resident. Some financial institutions will offer credit cards to temporary residents when they meet the visa requirements. You can learn more about credit cards for temporary residents in this guide.
  • Income. Some credit cards list a minimum income requirement, such as $15,000 or $60,000 per year. Other cards require you to be employed, and some say you need to earn a regular income. There are also cards that don't list any income requirements, but even then you will need to have enough money to be able to make repayments.
  • Age. You must be over the age of 18 to apply for any credit card in Australia.
  • Credit history. If you have good or excellent credit history, you'll be eligible to apply for most credit cards. But if you have defaults, late payments, bankruptcy or other negative listings on your credit report, you usually won't be able to get a credit card. If you do not have any credit history, you won't be penalised but you may only be eligible for a low credit limit until you build up more good credit history.

You can find these requirements on the card review page or information page, as well as when you click to apply (before you start the actual application). Once you've checked that you're eligible to apply, you can click through to start the application.

Supporting documents

As part of the application, you usually need to include some supporting documents to help verify these details, which we've listed below.

  • Income information. You may need to provide copies of your most recent payslips or bank statements to prove your income. If you’re self-employed, you can provide your tax return instead.
  • Identification. You will need to verify your identification with the credit card company before your application can be finalised. You can do this by providing your driver’s licence, passport or Medicare card number.

Most banks and providers will give you a response within 60 seconds of completing the online application and if you've been approved, you will receive your card in the mail about 10 days later. If you want to know more about applying for a credit card, check out this step-by-step guide to the process.

Dos and don'ts of your first (or any) credit card

Here are some mistakes to avoid and good credit card habits to get into:

Do

  • Make regular repayments. Credit cards are not free money. You need to make at least the minimum repayment every month so you can avoid late payment fees, stop your account from going into default and maintain a good credit history. However, you should always aim to pay more than the minimum to avoid being sucked into debt.
  • Stay within your budget. Having a credit card means you can temporarily spend more money than you actually have. This can make it tempting to buy things you normally wouldn't. The best practice is to treat your credit card as if you were spending your own money, and if you need to spend more, to pay it off as soon as possible.
  • Educate yourself. It's important to understand how credit cards work. For example, remember that ATM withdrawals count as cash advances and will immediately charge a higher interest rate. Or even if you have a 0% purchase or balance transfer offer on your card, you'll still need to make repayments each month and you can only take advantage of interest-free days when you pay your balance in full. Understand the fees and charges that come with most credit cards before you apply or at least as soon as you get your card.

Don't

  • Make cash advances. When you use your credit card to get money from an ATM, gamble or to pay certain bills, you’ll be charged a cash advance fee of a couple of dollars as well as the cash advance interest rate, which can be as high as 29% p.a. Furthermore, interest-free days do not apply when you use your credit card for a cash advance.
  • Share your credit card information. Apart from directly logging into your online banking or your bank's official app, do not enter your credit card information or log-in details into any email, text message or third-party website, with the obvious exception of making purchases from a trusted source.
  • Apply for a credit card you can't really afford. For most people applying for their first credit card, this is a no annual fee or low rate credit card. Rewards credit cards can be a great way to get something for nothing, however, these products generally charge higher annual fees and interest rates.

If you still have questions about how credit cards work, reach out to us using the form at the bottom of the page and a member of the Finder team will be in touch.

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24 Responses

    Default Gravatar
    EkeneAugust 13, 2017

    I am a new immigrant to Australian and do not have any credit history. I am considering building up a good one because I might need it for a car loan and/or mortgage sometime in the future.
    Your article was helpful, but I do have some questions:
    Does the credit history system work like that of the US, and what is the credit score range?
    What would be ideal cards for a beginner that has no annual fees, with good rewards? The interest rate may not matter because I intend to pay my bill in full every cycle.

    Thanks.
    Ekene.

      Avatarfinder Customer Care
      RenchAugust 13, 2017Staff

      Hi Ekene,

      Thanks for reaching out to us. With regards to your query about the credit history, yes you need to have it for you to be able to apply for a credit card for your future use. A credit score is a numerical representation of your credit history. You may visit this page for you to be able to check on further details about credit score. For Credit Score application, you may visit this page and get your credit score.

      Hope this helps.

      Best regards,
      Rench

    Default Gravatar
    EmilyJuly 23, 2017

    I am looking into applying for a credit card in Australia. I am currently receiving roughly 24k in welfare and am unemployed. I’ve never had a credit card before, nor have I known anyone who had one while I knew them.
    I’d like to ask a couple of questions. First, about the interest. Does the interest accrue at a certain time in the month (or statement period), or does it accrue all the time except for specifically no-interest periods? For example, if I only made small purchases using it and could pay the entire balance back upon receiving the bill, would I have to pay the interest?
    I would only want a small limit, so as to limit my spending and have it as a back-up in case my welfare for some reason doesn’t come in or is reduced temporarily. Are there any fees or penalties for not using it for a certain period of time?
    Thank you :)

      Avatarfinder Customer Care
      RenchJuly 24, 2017Staff

      Hi Emily,

      Thanks for reaching out to us.

      Most low-income cards offer interest-free days on purchases, though the number of days (such as up to 55 days) would vary from card to card. To take advantage of these interest-free days, you have to pay your account’s closing balance completely every month. You can go to this page for more info about interest free days on credit cards. Then you can check this page for credit card options that you can compare.

      Click on your preferred card to see more details then click on ‘Go to Site’ button to submit an online application.

      Cheers,
      Rench

    Default Gravatar
    JJSeptember 9, 2016

    Alright… Really stupid here, don’t know anything about credit cards. And when I’m applying for them it asks for my card limit. I’m trying to find articles that explain it for a first-time user. Help?

      Avatarfinder Customer Care
      YsaSeptember 16, 2016Staff

      Hi JJ,

      Thanks for reaching out.

      You may wish to check this guide to credit cards for beginners, this guide will tell you all you need to know about how credit cards work.

      I hope this helps.

      Cheers,
      Ysa

    Default Gravatar
    SamJuly 7, 2016

    Hi I need a credit card to hire a car in Spain what card would you recommend as I would only need to use it 2-3 times a year

      Avatarfinder Customer Care
      MayJuly 7, 2016Staff

      Hi Sam,

      Thanks for your inquiry.

      Unfortunately, as finder.com.au is a comparison website and general information service, we’re unable to recommend a specific card to our users as the best option depends entirely on your own financial situation, spending habits and needs.

      Nonetheless, you may like to reconsider this page in comparing your options for credit cards that can be used overseas (or in Spain). Though I’m not sure if these cards we have listed will be accepted by your merchant (for car hire). It’s best to contact the car hire provider if they would accept these cards.

      I hope this has helped.

      Cheers,
      May

    Default Gravatar
    JustinApril 11, 2015

    If i bought a $3000 lawn mower what are some examples of what my payments would be

    Random interest rates and min. Payments

      Avatarfinder Customer Care
      JonathanApril 14, 2015Staff

      Hi Justin, thanks for your inquiry!

      Depending on whether the card has a promotional rate, you would be paying the purchase rate on the balance remaining. For 0% purchase credit cards please see this page.

      Cheers,

      Jonathan

    Default Gravatar
    BrokeMarch 13, 2015

    My partner and I are relocating and need to pay car repairs $2700.00, on top of relocating. We are also changing jobs, so getting a loan has been difficult. What kind of credit card should we go for?

      Avatarfinder Customer Care
      JonathanMarch 16, 2015Staff

      Hi Broke Traveller,

      For repaying purchases such as car repair fees it can be ideal to use a purchase credit card. Please see this page for a list of cards that have purchase rate promotions.

      I hope this has helped!

      Cheers,

      Jonathan

    Default Gravatar
    EmilyMarch 11, 2015

    Hi,

    Would you recommend a 1st time Credit Card user to get one for an overseas trip for purchases? Most likely only needing under $1000?

    Also, when purchasing items on a credit card, are you always paying more for the product because of the rates?

    Going overseas soon and don’t want to get a loan!

      Avatarfinder Customer Care
      JonathanMarch 11, 2015Staff

      Hi Emily, thanks for your inquiry!

      Purchase credit cards can be a great way to make purchases overseas. Certain credit cards have 0% for currency conversion fees and international transaction fees. For more information please see this page for 0% purchase credit cards.

      Cheers,

      Jonathan

    Default Gravatar
    C K ShahOctober 9, 2014

    I would like to know whether the merchant gets the amount instantly the time the credit card is swiped, while buying some merchandise/service or the amount is sent after we make the payment to the bank on the due date and the merchant gets his amount, after maybe adjusting some charges.

      Avatarfinder Customer Care
      ElizabethOctober 9, 2014Staff

      Hi C K Shah,

      As long as the payment is successfully processed on your card, ie. the bank allows the payment to go through because the charge hasn’t meant you’ve gone over your credit limit or for any other reason, then the merchant will be paid as soon as this amount is approved by your bank. It is not based on when your due date is as you made the purchase on credit.

      As mentioned, this process may take a couple of days, but if your credit card is declined the payment will not be able to go through, and if the payment goes through the merchant will be paid and it will be your responsibility to repay the bank.

      Thanks,

      Elizabeth

    Default Gravatar
    COctober 8, 2014

    After we buy a merchandise and swipe the credit card, I would like to know, when is the money usually transferred by the bank to the merchant. Thanks.

      Avatarfinder Customer Care
      ElizabethOctober 9, 2014Staff

      Hi C K Shah,

      Thanks for your question.

      This depends on the type of card used in the transaction and what type of sale it was i.e. whether it was online or in a bricks and mortar store. The time period to receive the funds can range from anywhere between one business day to seven business days, or longer in some cases.

      Hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    AmyJanuary 17, 2014

    Can I transfer some money to clear overdraft on current account

      Avatarfinder Customer Care
      JacobJanuary 17, 2014Staff

      Hi, Amy.

      Thanks for your question.

      If you would like to transfer an overdraft account to a credit card under a balance transfer promotion, you may want to consider getting in touch with Citibank. It’s a good idea to give them a call first. They can check your account over the phone to see whether they will allow the account to be transferred under the promotional rate of interest top one of their credit cards.

      I hope this helps.

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