Share Certificates Share certificates are the equivalent of Certificates of Deposit (CDs). These investment products offer several benefits: If you need to save for something big, a share certificate can…
Individual Retirement Accounts (IRAs) Aspire FCU offers many IRA products to enhance your retirement plan. You may choose from Traditional and Roth IRAs, Coverdell Education Savings Accounts and an IRA Accumulator,…
First Mortgages We are currently in the process of changing Mortgage Providers and cannot accept 1st mortgage applications at this time. Please check back regularly for updates. Existing Mortgages Make a…
Great News! We have created an updated site that will provide you with quick and easy-to-use features to access your credit card information. In order to take advantage of the changes, you will need to register the first time you access the new site.
General Questions: Why should I join a credit union? Credit unions are not-for-profit financial cooperatives, which means all earnings are returned to members in the form of better, low-cost financial…
Your wallet can easily become cluttered with loyalty cards, coupons, cash, checks, store credit cards, and a host of identification cards. Not only is a over-stuffed wallet a hassle to carry, it may make identity theft easier.
Give your purse or wallet a good once over. Look for things you don’t regularly need, and take them out!
Some things should never be in your purse or wallet. If you see these items as you’re trimming down your daily carry, take them out immediately.
1.) Your Social Security card
It’s easy enough to stuff the card into your wallet when you need it for identification and then forget about it.
That could be a big mistake. Thieves can use your original Social Security card to apply for all kinds of unsecured debt in your name. Canceling your Social Security number and getting a new one is a complicated, time-consuming process, and you may be liable for fraud as you do so.
Keep yourself safe, and get the card out of your wallet! Put it in a secure location in your home, like a safety lock box.
This is by far the easiest way to accumulate paper in your wallet. You never know which might be needed later and you stick them all into your wallet. Before you know it, you’ve got a novel-sized stack of transactions.
This could be serious trouble if your purse or wallet is ever stolen or lost. Thieves can use the last four digits of your credit card number on a receipt to build a profile of your purchases, and can fish for more information with a merchant who has the card on file, like a cable company or an online retailer.
Think about going paperless. Turn your phone into a digital filebox. Information can be encrypted to keep it out of the hands of malicious people, but still accessible to you if you need to check a purchase.
3.) Tons of credit cards
Every store offers its own card and incentives. Those cards can really add up. Tack on an extra couple of cards for gas purchases, everyday expenses, and work-related stuff, and you could easily end up with a wallet or purse full of plastic.
If your wallet or purse is stolen, each one of those cards has to be canceled individually. Forgetting even one can cost hundreds or thousands of dollars. Thin your collection down to the one or two you use regularly. Look for those that can be widely used, provide the lowest fees and best acceptance rates. Put the rest of them into a safe place at home, using them only when you need them.
Once you’re down to your top cards, make a list of their numbers and the steps you’d need to take to cancel them if necessary.
YOUR TURN: It’s time to think about what’s tucked into your purse or wallet. What items make your “essential carry” list and what can you safely leave behind?