Credit is exactly that. It is like a short term loan from the bank that is pre-approved.

The interest is the way they ensure that they are not out of pocket if you don't pay them back.

I'd go a bank credit card, Leasha is right the store cards can be huge and the interst often starts from the time of purchase.

Have a look at the annual fee for the card, Many of the reward cards have a fee of up to about $300-$400 a year.
(That said I have a Westpac Altitude card and I use my reward points to pay the fee $300 each year)

To make it work. Never accept the upgrade of credit limit the banks will send, if you need more credit consider it then call the bank. ALWAYS pay the card off in full when you recieve the statement.

If under any circumstances you start to spend beyond your means cut up the card on the spot.

If you stick to this, the convienience of credit will work for you.


Hope this helps.