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How To Get By In An Emergency: Personal Loan Or Credit Card?

Posted in Borrowing Money
September 27th 2016 by
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Unexpected expenses, are by nature, unplanned … and costly. While it’s best to have a rainy-day fund, for many this is just a dream. If you’re unsure how you’d survive a financial emergency, you’re not alone. A survey found that 47% of Americans would borrow for a $400 emergency. As a credit union member, you have borrowing options. Two popular choices for emergency funding are personal loansand credit cards. Here are several pros and cons to each. 1.) Limits. Credit cards have credit limits in the thousands, enough to cover a small emergency. The value of credit cards is their…

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Are Store Credit Cards a Smart Move for You?

Posted in Borrowing Money
September 7th 2016 by
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It is likely that you’ve encountered a store’s pitch to sign up for their credit card that offers discounts and rewards.  But should you sign up?  Not all of these cards are bad and some offer great benefits… while others can just cause you to accrue high-interest debt. Great Discounts Off the Bat When signing up, it is most common that you will receive some type of discount at the register, and then you continue to receive discounts year-round.  Cardholders may also be offered exclusive deals as a reward for loyalty. Some retailers also offer bonus programs in which you may be able to…

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Is Price Protection the Way to Go?

Posted in Borrowing Money
September 1st 2016 by
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Credit cards that offer price protection are a tempting offer. Since last year, consumer credit cards that offer price protection programs have gone up 4% from 49% to 53% percent.  When signing up for these programs, cardholders receive a refund when they purchase an item and the price drops in a certain period of time.  The terms of these programs vary based on each issuer and each card. But it can be hard to determine whether or not getting one of these cards is worth it.  Check out these tips to help you make your decision. You Might Have to Do…

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How To Help Your Teen Build Credit

June 30th 2016 by
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Parents tend to believe that the best time to help their children start to build credit is after college.  However, the best time may be when they are still in high school – experts recommend junior year is actually a good time to start.  Take a look at these tips to see how you can help your child build credit to put them ahead of the game. Starting Out The first step to helping your child build credit is by walking them through the basics.  Start having conversations about credit when your children as early as possible and continue to build…

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4 Tips for Building Your Credit

Posted in Borrowing Money
June 23rd 2016 by
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We all have to deal with credit at some point, especially if we want to borrow money for something, so having a good credit history is crucial. If you are just beginning to build your credit or need to start over, there are a few tips that may be able to help you achieve your goals. Get Good Credit by Association One way to establish a borrowing history is to become an authorized user on a family member or friend’s account who has excellent credit and makes their monthly payments.  If this person is concerned about you having access to their credit, that…

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