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Amanda Smith

Amanda Smith

Contributing Writer

Amanda Smith is a freelance journalist and writer. She reports on personal finance, technology, culture, and human interest. Amanda has written stories about retirement planning for Business Insider, the connection between money and identity for VICE, and the evolving cryptocurrency space for Decential.

Her work has also been published in highly respected titles such as The Guardian, National Geographic, and Travel & Leisure.

Amanda splits her time between Adelaide, South Australia, and New York City.

Education: Bachelor of Public Relations and Graduate Diploma in Journalism, University of South Australia

Organizations: Represented by Australia’s Media Entertainment Arts Alliance (MEAA) Freelancer Pro, for the highest ethical and professional standards.

Previous Experience: VICE, Business Insider, Decential, The Guardian, National Geographic, Travel & Leisure, CNET, News Corp, Singapore Airlines, MIT Technology Review, TimeOut, TEDx, Government House South Australia

The latest from Amanda

What Is A Credit Card Minimum Payment?

A credit card minimum payment is the minimum amount owed on your credit card statement's closing balance. It's typically 2% of the debt owed.

How To Read Your Credit Card Statement

Regularly checking your credit card statement is an important way to empower yourself financially and stay on top of your debts.

Guide To Making Credit Card Payments

When you make a credit card payment, you're repaying what you owe. You can pay off the entire balance or make a partial or minimum payment.

What to Know About Your Credit Card Limit

A credit limit is the maximum amount of money you can spend on your credit card.

How Do Credit Card Interest Rates Work?

Everything you need to know about credit cards to use them responsibly.

Credit checks: Understanding soft and hard credit enquiries

A credit check, also known as a credit enquiry, happens when a lender reviews your credit report to assess your borrowing strength.

Buy Now, Pay Later: What to Know Before You BNPL

Buy now, pay later divides the total cost of a purchase into several smaller payments, often without charging interest or fees.

Credit Repair in Australia: How it Works

Many of the steps you need to take to repair low or bad credit can be done yourself for free. However, you can also hire a credit repair company to do some of the work.

What Affects Your Credit Score?

Your credit scores are determined by several factors, such as whether you pay bills on time and the length of time you've used credit.

How To Get Your Free Credit Score in Australia

You can view your credit score for free through one of Australia’s major credit agencies or a verified third-party provider.

The bank clerk is presenting the benefit of the credit card to a customer who applied for a credit card service at the office.

How To Apply For A Credit Card In 5 Steps

Understand your credit score, debt and income, and apply for a card that fits your profile. Make your credit card application a no-brainer for the banks.

Young woman doing online shopping using credit card at home.

How Do Credit Cards Work?

Everything you need to know about how credit cards work and how to use them responsibly.

7 Money Management Skills To Master ASAP

Set yourself on the path to financial freedom by developing these key money management skills.

Understanding Your Credit Report In Australia

A credit report is a record of your credit history in Australia and is used to calculate your credit score. The included information helps lenders evaluate your creditworthiness.

What Is A Good Credit Score?

A good credit score varies by credit agency: 661+ for Equifax, 625+ for Experian, and 500+ for illion.

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