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Kristie Kwok

Kristie Kwok

Kristie Kwok

Former Contributing Writer Personal finance, taxation, consumer and investment banking

Kristie Kwok is a personal finance expert and former contributing writer at NerdWallet Australia. She has covered personal and business finance for almost 10 years. She is a qualified chartered accountant and has previous work experience in consumer banking, investment banking and taxation. She also has a Bachelor of Commerce degree, specialising in accounting and finance. Kristie became a writer to combine her passion for words with her in-depth industry knowledge. She is based in Melbourne, Australia.

Kristie's picks

Types of Employment in Australia

Guide to rights and entitlements for different types of employment arrangements.

How to Make Passive Income

Passive income can offer breathing space when your finances are tight, but whether a cash stream is passive or not isn’t always clear-cut.

Can You Get A Credit Card With Bad Credit?

Getting approved for a credit card is very difficult if you have a bad credit score. And, even if you’re approved, you’ll probably be offered less favourable terms than an applicant with good credit.

The latest from Kristie

Does Cancelling A Credit Card Affect Your Credit Rating?

Cancelling a credit card can affect your credit score. The impact depends on your overall credit history, the age of your accounts and other factors.

How To Apply For A Personal Loan

Applying for a loan can be quicker and easier if you’re prepared and know what to expect.

How To Get A Personal Loan In 7 Steps

Getting a loan starts with assessing your borrowing needs and capacity to repay, then comparing offers to find the best deal.

What Is the Minimum Credit Score For a Personal Loan in Australia?

There isn’t a minimum credit score for personal loans that Australian lenders agree on, but you’ll generally need a “good” credit rating to qualify for a loan with traditional lenders.

A pre-approved personal loan gives you an idea of how much you can borrow ahead of time.

What Is Personal Loan Pre-Approval?

A pre-approved personal loan gives you an idea of how much you can borrow ahead of time.

What to Know About Student Start-up Loans

Eligible higher education students can receive $1,201 interest-free loans up to twice per year.

Higher Education Loan Program (HELP): What To Know

The Higher Education Loan Program (HELP) is a government scheme offering interest-free loans to help eligible students with tuition fees.

Guide to Student Loans and Financial Support in Australia

Australian students have access to interest-free loans, Commonwealth Supported Place (CSP) subsidies, Centrelink payments, and other government programs.

No Interest Loans (NILs) Explained

The No Interest Loans Scheme allows some Australians to borrow up to $3,000 with an interest-free loan.

Credit Card Fees: What They Are And How To Avoid Them

Credit card fees can vary among providers. Find which charges are inescapable and which ones you can avoid.

What Is A No-Annual-Fee Credit Card?

A no-annual-fee credit card doesn't charge a yearly usage fee. Managing repayments is key to unlocking its long-term value.

Are There Zero-Interest and Interest-Free Credit Cards?

Interest-free credit cards include lifetime zero interest credit cards and options with 0% promo periods on balance transfers and purchases.

What Is A Low-Rate Credit Card?

No-frills option for people who can’t always repay their full balance each month.

Can You Get A Credit Card With Bad Credit?

Getting approved for a credit card is very difficult if you have a bad credit score. And, even if you’re approved, you’ll probably be offered less favourable terms than an applicant with good credit.

What Is a Charge Card?

Charge cards don’t have preset spending limits like credit cards and require full balance payment each month.

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