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<i>Acknowledgements.</i> <p><i>About the author.</i></p> <p><i>Introduction.</i></p> <p><b>Part I Addicted to credit.</b></p> <p>1 Isn't credit card debt just something we learn to live with?</p> <p>2 Why put extra cash towards my debt when it doesn't make much difference?</p> <p>3 There's no way I'm addicted to credit … am I?</p> <p>4 Why do I feel like someone else is controlling my spending?</p> <p>5 It's my money to spend What's the big deal?</p> <p><b>Part II Living with credit cards.</b></p> <p>6 How do I live without a credit card when the world is set up that way?</p> <p>7 I won't give up my cards - what else have you got?</p> <p>8 How will I operate without two cards - one to pay off the other?</p> <p>9 It's okay to use cash advances to get me to payday, isn't it?</p> <p><b>Part III Start controlling your debt.</b></p> <p>10 My interest charges aren't that high, so why worry?</p> <p>11 Does it matter if I don't know my interest rate?</p> <p>12 If I keep paying the minimum repayments, I'll pay off my card won't I?</p> <p>13 Does anyone care if I only make the minimum repayment?</p> <p>14 Are all credit cards the same?</p> <p>15 Why should I open my bills if I pay the same amount each month?</p> <p>16 The bank wouldn't offer me a limit increase if I couldn't afford it, right?</p> <p>17 Are interest charges the only fees?</p> <p>18 How can I make interest-free periods work for me?</p> <p><b>Part IV Slashing your credit card debt: the plan.</b></p> <p>19 My debt is only $1000 so I can pay it off anytime Why do I need a plan?</p> <p>20 I have an average debt of $3000 That's not a big deal, is it?</p> <p>21 My debt is just too big Is this really possible?</p> <p>23 How can I find extra cash, fast?</p> <p>24 Where do I start when I've got other debts as well?</p> <p>25 Who can I turn to for help?</p> <p><b>Part V It doesn't end with paying off your debt.</b></p> <p>26 How can I make a credit card work for me?</p> <p>27 How do I keep my card details safe?</p> <p>28 Is a chip and PIN card more secure than signing?</p> <p>29 Is it really safe to use my card online?</p> <p>30 Will I be liable if someone else uses my card?</p> <p>31 Do credit cards have benefits other than just credit?</p> <p>32 I disagree with my bank over my credit card What can I do?</p> <p>33 What should I do if I'm slipping back into the red?</p> <p><i>Glossary.</i></p> <p><i>Appendix A: Quiz: what's your problem?</i></p> <p><i>Appendix B: Resources.</i></p> <p><i>Index.</i></p>

<b>Allison Tait</b> specialises in writing about personal finance issues for ninemsn Money and MSN NZ Money. She has more than 20 years’ experience as a journalist across a wide range of publications, including <i>The Sydney Morning Herald, Madison</i> and <i>House & Garden</i> magazine.

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