Credit cards come in many different forms from many different lenders. To incentivize borrowers to choose their card, financial institutions include special perks like low rates or cash back.
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Credit cards are the most versatile product in your wallet and can be the ticket to a strong credit score and healthy financial habits. By mastering the most popular financial tool, you can demonstrate to lenders that you are a responsible borrower, ushering in new opportunities.
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International Credit Union Day ®, also known as ICU Day®, is celebrated on the third Thursday of October. This year marks the 74th anniversary of the day, with the theme “Empower Your Financial Future with a Credit Union™.” This special day is brought to you by World Council of Credit Unions (WOCCU) and Credit Union National Association (CUNA).
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There are only twenty-four hours in a day, and how you spend each one can impact your entire life. If you frequently find yourself trying to magically turn back the clock, you may be in “time debt.”
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Credit card interest is often discussed, but not always understood. Despite the number of people who keep a credit card (or several) in their wallet, not everyone can explain the math that goes on behind the scenes. Understanding how your monetary tools work is an important part of financial literacy, which is why in this article, we’ll break down credit card interest into basic dollars and cents.
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In this series, we take a look at the inner workings of the Credit Union and meet some of the champions who help our members in every facet of their financial lives. This month, we met up with expert Bryan Eichenbaum, an expert on all things lending at American Heritage.
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Credit cards are one of the most versatile tools you can carry in your wallet. From getting extra rewards when swiping at gas stations or grocery stores to building your credit score, these pieces of plastic can impact your financial health. With so many options available, how do you choose?
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The right loan or credit card can give you more financial freedom and open up exciting opportunities – from traveling the world to buying your first car or home. But borrowing money is a big responsibility, and it’s not a decision you should make lightly. Failing to use credit responsibly can damage your credit or lead to serious financial problems.
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It’s no surprise the credit and debit cards are so popular. They’re simple, easy to use, and accepted almost everywhere. But this popularity has also made them a common target for thieves and fraudsters. According to the FTC, in 2020 alone, nearly 400,000 people fell victim to credit card fraud. The consequences can be serious, from financial loss to damage to your credit (not to mention the stress).
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Every horror movie has a moment where one of the soon-to-be victims does something foolish like saying the killer’s name in the mirror three times, going upstairs to investigate, or saying the infamous phrase, “I’ll be right back.” As audience members, we groan at these mistakes and shake our heads as each character meets a grisly fate. But when it comes to managing finances, too many of us make terrifying mistakes that can cost us money, hurt our credit and impact our financial future. In order to survive, we offer this brief list of financial terrors. Avoid them, and you may get out alive.
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