Our Children. Our Future.

Credit cards and store cards

Credit cards

The biggest danger with credit cards is the temptation to buy things you can’t afford and don’t need. The secret to smart money management is a budget and a limit on your credit card that you know you can afford.

Which cards?

Regardless of the financial institution or company you go to, there are basically two types of credit cards available:

  • One charging an annual fee but offering an interest free period of up to 55 days – after which interest charges are quite high
  • One with no annual fee but interest charged from the date of purchase. The interest rate on this card is usually lower and may suit you if you cannot pay off your credit card debt at the end of each month.

Quick tips on credit cards

  • Ask yourself what kind of scheme will best meet your needs
  • Shop around for the lowest rate of interest
  • Be aware of financial charges
  • Check the fine print and understand all the terms and conditions before you sign up.

Once you find a card:

  • Work out your budget and fix a realistic limit
  • Pay bills promptly to keep interest charges to a minimum
  • Avoid cash advances. With most schemes you pay interest charges from the date of the advance
  • Keep all your receipts to check the charges when your bill arrives
  • Protect your card and account numbers to prevent unauthorised use.
Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the NSW Streetsmart handbook, please call 03 9937 0200.
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Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the NT Streetsmart handbook, please call 03 9937 0200.
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvbnQtc3RyZWV0c21hcnQvIiBzY3JvbGxpbmc9Im5vIiBmcmFtZWJvcmRlcj0ibm8iIGhlaWdodD0iNzQ4IiB3aWR0aD0iMTM0NiI+DQo8L2lmcmFtZT4=
Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the QLD Streetsmart handbook, please call 03 9937 0200.
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvcWxkLXN0cmVldHNtYXJ0LyIgc2Nyb2xsaW5nPSJubyIgZnJhbWVib3JkZXI9Im5vIiBoZWlnaHQ9Ijc0OCIgd2lkdGg9IjEzNDYiPg0KPC9pZnJhbWU+
Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the SA Streetsmart handbook, please call 03 9937 0200.
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvc2Etc3RyZWV0c21hcnQvIiBzY3JvbGxpbmc9Im5vIiBmcmFtZWJvcmRlcj0ibm8iIGhlaWdodD0iNzQ4IiB3aWR0aD0iMTM0NiI+DQo8L2lmcmFtZT4=
Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the TAS Streetsmart handbook, please call 03 9937 0200.
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvdGFzLXN0cmVldHNtYXJ0LyIgc2Nyb2xsaW5nPSJubyIgZnJhbWVib3JkZXI9Im5vIiBoZWlnaHQ9Ijc0OCIgd2lkdGg9IjEzNDYiPg0KPC9pZnJhbWU+
To whom it may concern

Countrywide Austral and PCYC Victoria have built a strong relationship delivering the Streetsmart Handbook to young people all over Victoria.

The handbook has been running for 15 years now and we are very proud to be associated with such a fantastic product.

PCYC also receives valuable funding, raised from the advertising dollar, which is vital to our ongoing success.

This partnership is essential as we work together to support the youth of today.

Victoria Police and Citizens Youth Club Inc.

For all enquiries regarding the VIC Streetsmart handbook, please call 03 9937 0200
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvdmljLXN0cmVldHNtYXJ0LyIgc2Nyb2xsaW5nPSJubyIgZnJhbWVib3JkZXI9Im5vIiBoZWlnaHQ9Ijc0OCIgd2lkdGg9IjEzNDYiPg0KPC9pZnJhbWU+
Dear Reader,

We hope this book assists you through the sometimes complex issues which will confront your life. In your dealings you may have with Police and other emergency services personnel please remember that they are people with lives and they are trying to assist you. Police will go in harm’s way to protect you. That is why Auspol was formed to help them.

Thank you for your support.

The Board of Trustees
Auspol – Police Welfare Foundation

For all enquiries regarding the WA Streetsmart handbook, please call 03 9937 0200
PGlmcmFtZSBzcmM9Imh0dHA6Ly93d3cuY3dhdXN0cmFsLmNvbS5hdS9lbWFnL3NhbXBsZXMvd2Etc3RyZWV0c21hcnQvIiBzY3JvbGxpbmc9Im5vIiBmcmFtZWJvcmRlcj0ibm8iIGhlaWdodD0iNzQ4IiB3aWR0aD0iMTM0NiI+DQo8L2lmcmFtZT4=