Low Limit Credit Card for a Lower Debt Risk

Key Benefits of a Low Limit Credit Card:

Low limits are easier to repay – Never get into too much debt
Limit the items you can buy – responsibly control your spend
Lower interest is charge to lower limits – save on interest fees

We all know that credit cards are a convenient payment method, but the temptation is there to spend. Wouldn't be great to have a limit on the amount you can borrow? Why not get a credit card with a low credit limit to responsibly spend and repay on your credit card purchases. (Limits are set during applications)

Apply for a Low Limit Credit Card and get an Application Response Instantly!

		Purchase % p.a.	Annual Fee	Interest Free	Balance Transfer
	Low Rate MasterCard 0% p.a. on purchases for the first 3 months	13.24% p.a.	$58.00	up to 55 days	-
	StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months!	13.24% p.a.	$55.00	up to 55 days	2.99% p.a. for 6 mths

Good credit history required*

Make sure you set your credit card limit low.

When you apply for a credit card you might be offered a generous credit limit, it will be up to you to set a limit you feel most comfortable with, so make sure you do set the limit to some value you could repay reasonably quick.

Limits are there to help you manage your finances, in a typical credit card application a credit card limit will be offered to you based on your financial history and what you can afford.

But you may have to set your credit card limit lower to reduce the temptation to over spend.

A lower credit limit will help those with low incomes and no credit history obtain a credit card because low credit card limits reduce the risk for both you and the lender.

So if you have an income and require a credit card, you can benefit from the extra financial freedom credit card give you but with a limit on how much debt you can get yourself into.

Low Limit Credit Card Details

Low Rate MasterCard

0% p.a. for the first 3 months
Low interest rate of 13.24% p.a.* on purchases
Up to 55 days interest free credit on purchases²
$58 annual fee
MasterCard acceptance at over 29 million locations worldwide

*Subject to terms and conditions

Purchase Rate	Interest Free	Annual Fee	Balance Transfer
13.24% p.a	up to 55 days	$58.00	-

StGeorge Vertigo MasterCard

2.99% p.a. balance transfer rate for up to 6 months

Low variable purchase rate - just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
2.99% for up to 6 months on balance transfers requested at card application
Up to 55 days interest free on purchases when you pay the closing balance of your statement, including the balance transfer amount, in full by the due date
Low annual fee - currently just $55

*Subject to terms and conditions

Purchase Rate	Interest Free	Annual Fee	Balance Transfer
13.24% p.a	up to 55 days	$55.00	2.99% p.a. for 6 months

Best Rate Credit Card of the Month
13.24%	StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months! more...

No Banking Fees with Visa Debt Card
	StGeorge Complete Freedom Account Unlimited access to branches, internet banking and over 2800 St.George, Westpac and BankSA ATMs around Australia more...