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Picture Book · Debt and cash flow

Building a fence around your credit card

Story pages

A woman in her twenties watching a garden vine grow over a low fence into the neighbour's yard
Meet Zoe. Her credit limit keeps creeping up, and so does her balance.
A small snowball rolling down a grassy hill getting bigger as it goes
Moneysmart says the average credit card interest rate is over 18%.
A woman building a neat wooden fence around a small vegetable patch
Asking the bank to lower the limit makes overspending harder. It usually takes one or two business days.
A woman ticking a box on a wall planner in her kitchen
Paying on or before the due date avoids extra interest and late fees, and helps keep her credit score healthy.
A woman relaxing in a hammock under a poinciana tree while a little robot waters her garden
A direct debit set for the day after payday makes it automatic.
A tidy garden with a neat fence and a happy woman watering her plants
Bit by bit, the balance comes down and stays down.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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