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A credit card lets you buy goods or services on an ongoing basis, but pay for them later.
If you’re looking to borrow a large amount, for a set period or for a one-off purchase, a credit card may not be the right product for you.
When you use your credit card, you’re borrowing money.
You’ll be charged interest if you don’t repay the full balance every month.
You’ll need to make a minimum monthly payment – you can choose to pay more than the minimum monthly payment – and the more you pay off, the less interest you’ll be charged.
In addition to interest charges, you may also be charged fees as outlined in our
Fees and Limits brochure.
Another Kiwibank product might better suit your needs.
Please take a look at our other products
or contact us.