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Credit and Debt

Credit can be a great convenience if used wisely. However, uncontrolled debt is a serious problem for many consumers.

Consumer Affairs Victoria (CAV) provides information and advice to help you manage credit, and strategies for staying out of trouble.

The CAV website also provides information about:

• getting credit, including credit cards, store cards, and interest free loans
• dealing with debt, including repayments, bankruptcy, debt collection, and financial counselling
• who to contact when things go wrong
• forms and publications
• contacts and links to useful organisations.