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As you are working through getting your finances under control, all the people you speak to – financial counsellors, advisers, banks, creditors and agencies – will need to know details about your income and expenses so they can help.
So choose your own way to do it, but make sure you have something in writing that represents your current financial situation.
"It wasn't very pleasant at all."The experience was all the more galling because Mary did not even ask for the card in the first place."That came with the investment loan — it was a ,000 limit and I didn't want it," she said.
More information about preparing a debt management plan.
You can ask a Money Help financial counsellor to help you prepare your debt management plan.
The average limit on these cards was around ,000, and about a quarter of these people have already lost their homes to the banks.
Like Mary, many of them ended up using the card to try and keep up their mortgage repayments once they started falling behind. The ABC has spoken to a police officer with credit card limits totalling around 0,000 — more than one-and-a-half times his annual pay.