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i've just started using these and this was one of the issues i was a little bit worried about. it sounds like easiest option for those last few remaining dollars or cents is to use it at a large fast food chain, as they seem to accept split payment and don't have surcharge. of course this...

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Do you guys run many direct debits from the Save account? Would it be practical to have a direct debit from Save to Spend and then one from Spend to the external party? Bit of a rigmarole to setup initially but would it be effective thereafter?

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The Little Book of Common Sense Investing by John Bogle

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From Google News page:

Interested in the 33% figure quoted here. Is this a generally accepted rule of thumb or guideline as to how much credit card borrowing capacity someone has? Been curious about how much I can apply for.

I generally find I can fall asleep OK, but I'll only stay asleep for 45-90 minutes, then feel energetic for probably an hour, then back to sleep for 45-90 minutes and the cycle continues. How does everyone else find it?

Thanks everyone for the informative responses so far. How does the "The Qantas American Express Discovery Card" stack up in this segment?

As per the topic heading, I'm considering changing one of my cards to a no fee option. Does anyone have any recommendations? Alternatively, I might consider something with a low fee if the value proposition was good but the aim is to minimise my annual fees. Thanks!