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Your credit card balance is more than just the amount of money you owe to your credit card issuer. Your credit card balances have a direct impact on your credit score. As the credit card balance updated on your credit report changes, your credit score can fluctuate, too.

A Brief Explanation of Credit Scores Your credit score is like a numeric grade that indicates where your credit history stands at a specific point in time. The credit score is based on information about your credit card, loan, and other debt accounts listed in your credit report. Things like the account balance, payment history, credit limit, and age of the account are listed on your credit report and used to calculate your credit score. Each factor is given a different weight in calculating your credit score: Payment history counts 35% [...]

The Toyota Kluger offends no one by sticking to the middle of the road.
NEED proof that Australians are becoming more like Americans? Presenting exhibit A: Toyota Kluger. Square jawed, spacious, and muscular, the seven-seater SUV feels totally tailored for local tastes. No surprise, then, that it is this test’s biggest seller by some margin.
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The latest Kluger, however, is more Uncle Sam than Uncle Arthur, with this third-generation Toyota Camry/US Avalon-based version sourced from Indiana since its early-2014 launch. In a comparison  last year, the up-spec Grande AWD suffered against rival diesel alternatives (the Toyota is petrol-only), mainly because of a jittery ride, road drone, and excessive consumption. But this time, both the GX and GXL AWDs (we reviewed both; GXL pictured) impressed on a number of fronts.
Firstly, it’s the most [...]