Christmas has been and gone, New Year went off with a bang and you’re left with a credit card debt you can’t jump over.

The first payment on your swollen balance comes due just as new school uniforms are needed and then there’s school fees, rates, registrations and that whopper phone bill that hits long after the last interstate relative has packed up and gone home.

Welcome to the “catch up months” of January, February and March.

If you’re tired of starting the New Year behind the eight-ball, BCU may be able to help.

Here’s how:

Step 1: Switch to a BCU Classic credit card and ease the pain of the post-Christmas credit crunch with our super low rate . Start paying it off!

Step 2: Take BCU’s Better Banking Test to see how much you can save by bringing all your loans and accounts to BCU. Our loyalty rebates will save you money on fees and charges. Get the statements from your other financial institutions together and call BCU on 1300 228 228 or ask at any BCU branch.

Step 3: Open a BCU Christmas Club Account and start saving. Put aside just $25 a week from Feb 1 and you’ll have around $1000 saved by next Christmas.

Step 4: Let BCU help you package your insurances and save even more!

Step 5: Enjoy being in control of your finances with a credit union that supports locals...
                  ... after all, the secret to better banking, is not to bank with a bank.