There's little doubt that as a nation - we love credit. Australians have a special affinity with credit cards...the statistics tell us so. It's estimated that we owe about 46 billion dollars on them, more than $3000 per card, and when you consider many people have more than one card it's a sobering thought after Christmas. But finance experts say there is an alternative that is helping people pay off debts faster and saving you interest.

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