Vidhu Bajaj
Personal Finance Writer
Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
253 articles written by Vidhu Bajaj
Do Buy Now Pay Later companies run a credit check?
Not all Buy Now Pay Later (BNPL) companies run a credit check when you sign up for memberships, and these checks may not always affect your credit score. However, your BNPL activity could still make an impact on your credit history, which could affect your chances of seeing future credit applications approved.
Vidhu Bajaj -
14 Jun, 2023 -
4 min read
What is a "Buy Now Pay Later" service?
Buy Now Pay Later (BNPL) platforms allow paying for your purchases using an app and repay the amount in affordable instalments over time.
Vidhu Bajaj -
14 Jun, 2023 -
8 min read
Buy now pay later vs personal loan
Thinking about making a pricey purchase but don’t want to splash all your cash at once? Buy now pay later (BNPL) and personal loans are two alternatives to choose from.
Vidhu Bajaj -
13 Jun, 2023 -
6 min read
What is a bad credit score and how does it affect you?
A bad credit score can make it challenging for you to be approved as a borrower, but you can work towards getting a better score.
Vidhu Bajaj -
08 Jun, 2023 -
4 min read
How do I redeem my credit card rewards points or frequent flyer points?
If you’ve built up a sizeable amount of rewards points or frequent flyer points through your credit card spending, you may be curious as to how you actually redeem these points.
Vidhu Bajaj -
31 May, 2023 -
6 min read
What is home loan refinancing?
You should always keep an eye on your home loan or mortgage interest rates and repayments and understand how competitive they are. These days, sites like RateCity.com.au can help you quickly and easily compare from literally hundreds of products to find a deal which best suits your needs.
Vidhu Bajaj -
30 May, 2023 -
6 min read
What is a refinance rebate?
Are you feeling the pinch of rising interest rates on your household budget? Refinancing to a lower interest rate could give you room to breathe and possibly earn you a cash rebate in the process!
Vidhu Bajaj -
30 May, 2023 -
3 min read
How long does it take to get a credit card?
The credit card approval process may take a few days, depending on the credit card issuer and the accuracy of the information provided in your application.
Vidhu Bajaj -
25 May, 2023 -
5 min read
What do I need to get a credit card?
Increase your chances of credit card approval by discovering the essential requirements for getting a credit card in Australia.
Vidhu Bajaj -
25 May, 2023 -
5 min read
What is negative gearing?
Negative gearing refers to when investors can claim a tax deduction when their investments make a loss. While negative gearing offers several potential benefits, there are also risks involved.
Vidhu Bajaj -
24 May, 2023 -
6 min read