I’m Credit Card Boss. I’m a man of few words.

I do my homework. I get the answers. Then I tell you straight.

That’s why I’m the boss.

You can waste endless time messing around on credit card comparison sites.

Or you can just make a decision.

Luckily for you, I’ve spent weeks investigating – so you don’t have to.

I’ve compared the comparison sites. I’ve weighed up the important criteria and blown off the ones that don’t matter.

After all that work, I found the best card in the pack.

The ANZ Low Rate MasterCard

• Low interest rate of 12.49% p.a. on purchases
• 0% p.a. on balance transfers for the first 6 months*
• Up to 55 days interest free credit on purchases
• $58 annual fee with up to 3 additional cardholders at no extra cost

Here’s more info about why I’ve chosen the ANZ low fee credit card from among countless cards I’ve checked out lately.

But wait a second. Maybe a credit card’s not for you…

Credit cards have their downfalls. It’s hard to be perfect all the time.

Only the boss tells you straight up.

Credit cards test your discipline. You’re married to them for a long time. You’re fully committed until you REPAY IT FULLY, CUT IT UP and CLOSE THE ACCOUNT.

Maybe you don’t want that commitment.

If you only want some extra cash, there’s another alternative…

These guys do neat little short term personal loans online. It’s a pretty new thing in Australia. They do it their own way.

They pay you in 60 minutes first time around. After that you can get cash from your mobile phone 24/7 in seconds if you need it – you even get a free debit card when you join.

I’ve test driven them and I give them the boss’s approval.

• They pay up to $600 the fastest – within 60 minutes during business hours.
• You only pay $2 for your first cash advance, so there’s no risk to try it.
• Members are paid in seconds 24/7 by using their mobile phone.
• Fees are clearly shown and reasonable. They have nothing to hide.
• The team is available on the phone and live online help if you need them.
• Their paperless application process only takes 4-5 minutes.

So take my recommendation and go with Cash Doctors.

Get $100 – $600 in 60 minutes for just $2