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	<title>Avalon&#039;s Guide: Emigrate to New Zealand &#187; credit cards</title>
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	<link>http://www.avalonsguide.com/anab</link>
	<description>There is no &#34;One True Path&#34; to emigrating.</description>
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		<title>Why are Visa and Mastercard forcing you to have contactless credit cards?</title>
		<link>http://www.avalonsguide.com/anab/2011/09/why-are-visa-and-mastercard-forcing-you-to-have-contactless-credit-cards/</link>
		<comments>http://www.avalonsguide.com/anab/2011/09/why-are-visa-and-mastercard-forcing-you-to-have-contactless-credit-cards/#comments</comments>
		<pubDate>Thu, 22 Sep 2011 03:34:41 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[Contactless Credit Cards]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[New Zealand banks]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4351</guid>
		<description><![CDATA[ASB contactless credit cards are a faster and simpler way to pay for your purchases. Now you can fly through checkouts at participating stores, paying by just tapping your card on the terminal. This new technology sends payment data to the terminal at the checkout with just one quick tap to the terminal. Once your [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/02/seriously-pay-off-your-credits-cards/' rel='bookmark' title='Seriously- pay off your credits cards!'>Seriously- pay off your credits cards!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/09/why-are-visa-and-mastercard-forcing-you-to-have-contactless-credit-cards/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>What my credit card says about me.</title>
		<link>http://www.avalonsguide.com/anab/2011/08/what-my-credit-card-says-about-me/</link>
		<comments>http://www.avalonsguide.com/anab/2011/08/what-my-credit-card-says-about-me/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 18:00:56 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Funnies]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4072</guid>
		<description><![CDATA[For some bizarre reason this morning, hubby had a flick through the credit card bill that arrived yesterday, and noticed that there seemed to be a marked preference for spending in a certain type of shop. So for you amusement – here are the types of items you can see on our credit card statement. [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/04/what-does-your-credit-card-bill-say-about-you/' rel='bookmark' title='What does your credit card bill say about you?'>What does your credit card bill say about you?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/making-the-most-of-your-credit-card-provider/' rel='bookmark' title='Making the most of your Credit Card Provider'>Making the most of your Credit Card Provider</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/08/what-my-credit-card-says-about-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The New Zealand Art Show Wellington</title>
		<link>http://www.avalonsguide.com/anab/2011/07/the-new-zealand-art-show-wellington/</link>
		<comments>http://www.avalonsguide.com/anab/2011/07/the-new-zealand-art-show-wellington/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 23:33:13 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Things to do]]></category>
		<category><![CDATA[asb]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Wellington]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=4038</guid>
		<description><![CDATA[Last night we popped along to the opening of the NZ Art Show in Wellington. Now this isn&#8217;t usually &#8220;our thing&#8221;. Neither of us are particularly &#8220;arty&#8221;, and I have a tendency to think of things like this as a little pretentious. Though I do quite love painting an drawing myself. But in this case [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/08/the-gluten-free-and-allergy-show-in-wellington/' rel='bookmark' title='The Gluten free and allergy show in Wellington.'>The Gluten free and allergy show in Wellington.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/should-wellington-be-pedestrianised/' rel='bookmark' title='Should Wellington be Pedestrianised?'>Should Wellington be Pedestrianised?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/08/a-moment-of-perfect-beauty-in-wellington-city/' rel='bookmark' title='A moment of perfect beauty in Wellington city.'>A moment of perfect beauty in Wellington city.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/07/the-new-zealand-art-show-wellington/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying off debt &#8211; still too hard for most people :(</title>
		<link>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/</link>
		<comments>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/#comments</comments>
		<pubDate>Sun, 05 Jun 2011 23:17:23 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3791</guid>
		<description><![CDATA[According to a piece on the herald today, Kiwi consumer debt (that doesn&#8217;t include mortgages on property) still stands at a whopping $11.96 billion. That&#8217;s $11,960,000,000.  Now the Stats NZ population clock stands at over 4.4 million, but census information says there are 895,000 people here under the age of 15. Which leaves an &#8220;adult(ish) [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/06/taking-on-more-debt/' rel='bookmark' title='Taking on more debt is not the way to deal with debt problems.'>Taking on more debt is not the way to deal with debt problems.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/06/paying-off-debt-still-too-hard-for-most-people/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I&#8217;m a credit card tart and proud of it!</title>
		<link>http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/</link>
		<comments>http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/#comments</comments>
		<pubDate>Wed, 06 Apr 2011 03:08:44 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card charges]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[kiwibank]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3606</guid>
		<description><![CDATA[A credit card tart is someone who swaps the balance of their credit card to another card in order to take advantage of special low introductory rates on balance transfers. This was hugely popular in the UK in the years before we emigrated, where it was not unusual to get several offers in the post [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/' rel='bookmark' title='Arghhh – having to pay interest on the credit card!'>Arghhh – having to pay interest on the credit card!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/11/applying-for-a-new-credit-card/' rel='bookmark' title='Applying for a new credit card.'>Applying for a new credit card.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making the most of your Credit Card Provider</title>
		<link>http://www.avalonsguide.com/anab/2011/04/making-the-most-of-your-credit-card-provider/</link>
		<comments>http://www.avalonsguide.com/anab/2011/04/making-the-most-of-your-credit-card-provider/#comments</comments>
		<pubDate>Sat, 02 Apr 2011 00:57:23 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Credit Cards & Mortgages in NZ]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3590</guid>
		<description><![CDATA[Did you know that when you buy good and services on a credit card &#8211; you automatically access one of the most convenient consumer protection services I have seen? Most people don&#8217;t. If you don&#8217;t get the service you paid for, and you are getting nowhere with requesting refunds &#8211; you can contact your credit [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/11/applying-for-a-new-credit-card/' rel='bookmark' title='Applying for a new credit card.'>Applying for a new credit card.</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2011/04/making-the-most-of-your-credit-card-provider/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why the hell does WizWireless want to charge 5.4% Credit Card Surcharge???</title>
		<link>http://www.avalonsguide.com/anab/2010/11/why-the-hell-does-wizwireless-want-to-charge-5-4-credit-card-surcharge/</link>
		<comments>http://www.avalonsguide.com/anab/2010/11/why-the-hell-does-wizwireless-want-to-charge-5-4-credit-card-surcharge/#comments</comments>
		<pubDate>Thu, 18 Nov 2010 06:32:54 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Australia]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card charges]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Internet Providers]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[Wairarapa]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3133</guid>
		<description><![CDATA[I&#8217;ve just had a rather rambling email from WizWireless, our Internet provider, who among other things have said that prices are going up form some people (but don&#8217;t actually seem to have told us who and to what &#8211; communication is not a high skill of theirs I often have to ask for clarification) and [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/11/applying-for-a-new-credit-card/' rel='bookmark' title='Applying for a new credit card.'>Applying for a new credit card.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/11/why-the-hell-does-wizwireless-want-to-charge-5-4-credit-card-surcharge/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Shopping in Sydney &#8211; Part 2</title>
		<link>http://www.avalonsguide.com/anab/2010/11/shopping-in-sydney-part-2/</link>
		<comments>http://www.avalonsguide.com/anab/2010/11/shopping-in-sydney-part-2/#comments</comments>
		<pubDate>Tue, 16 Nov 2010 22:42:46 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[Life in New Zealand]]></category>
		<category><![CDATA[Things to do]]></category>
		<category><![CDATA[Australia]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[Sydney]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=3109</guid>
		<description><![CDATA[It was time to face the prospect of major city shopping, so I started this morning with elegance &#8211; at the QVB &#8211; Queen Victoria Building.  At least here, when you get bored of wall to wall expensive &#8220;stuff&#8221;, you can oggle at the gorgeousness of the building and the miles of stained glass. And [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2010/05/now-thats-nearly-more-shopping-than-i-can-possible-imagine/' rel='bookmark' title='Now thats nearly more shopping than I can possible imagine.'>Now thats nearly more shopping than I can possible imagine.</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/11/attempt-at-shopping-in-sydney-part-1/' rel='bookmark' title='Attempt at shopping in Sydney &#8211; part 1'>Attempt at shopping in Sydney &#8211; part 1</a></li>
<li><a href='http://www.avalonsguide.com/anab/2010/11/shopping-in-sydney-part-3/' rel='bookmark' title='Shopping in Sydney &#8211; Part 3'>Shopping in Sydney &#8211; Part 3</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/11/shopping-in-sydney-part-2/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Is Credit Scoring changing?</title>
		<link>http://www.avalonsguide.com/anab/2010/09/is-credit-scoring-changing/</link>
		<comments>http://www.avalonsguide.com/anab/2010/09/is-credit-scoring-changing/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 16:00:33 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[New Zealand banks]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[revolving credit]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2847</guid>
		<description><![CDATA[Credit Scoring is the really blunt instrument that banks use to determine whether you are worthy to borrow money from them. They don&#8217;t really look at much, but essentially get a &#8220;Credit History&#8221; on you off a Credit Reference Agency. (Equifax or Experian in the UK, VEDA in New Zealand). Now, according to an article [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
<li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.avalonsguide.com/anab/2010/09/is-credit-scoring-changing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Arghhh – having to pay interest on the credit card!</title>
		<link>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/</link>
		<comments>http://www.avalonsguide.com/anab/2010/06/arghhh-having-to-pay-interest-on-the-credit-card/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 07:11:11 +0000</pubDate>
		<dc:creator>Avalon</dc:creator>
				<category><![CDATA[Avalon's Money Thread]]></category>
		<category><![CDATA[Cost of living]]></category>
		<category><![CDATA[Interest Rates, Credit Cards & Mortgages in NZ]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Budgets]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[General Budgeting]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Money saving]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Redundancy]]></category>

		<guid isPermaLink="false">http://www.avalonsguide.com/anab/?p=2497</guid>
		<description><![CDATA[Well, for the first time in five and half years &#8211; I cannot pay off the whole balance on our credit cards, and we will be paying interest. This is quite depressing. I guess I should be happy that its only likely to be a few months where we have to pay, and that we [...]


Related posts:<ol><li><a href='http://www.avalonsguide.com/anab/2011/04/im-a-credit-card-tart-and-proud-of-it/' rel='bookmark' title='I&#8217;m a credit card tart and proud of it!'>I&#8217;m a credit card tart and proud of it!</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/02/why-are-credit-cards-still-charging-such-high-interest-rates-in-new-zealand/' rel='bookmark' title='Why are Credit Cards still charging such high interest rates in New Zealand?'>Why are Credit Cards still charging such high interest rates in New Zealand?</a></li>
<li><a href='http://www.avalonsguide.com/anab/2009/07/getting-out-of-credit-card-hell/' rel='bookmark' title='Getting out of Credit Card Hell'>Getting out of Credit Card Hell</a></li>
</ol>]]></description>
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		<slash:comments>4</slash:comments>
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