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Credit Cards Best Practices

 

Credit cards can be a powerful tool when used wisely. If you are looking to build your credit, you can increase your credit score by simply making payments on time and keeping your balances low. If you are looking for funds during a rainy day or for unexpected expenses, like an emergency or car repairs, then a credit card can provide the funds you need, when you need them. Convenience, efficiency, savings and peace of mind, all wrapped up in a powerful plastic card in your wallet.

Whether you've been using them for years or you're looking into applying for your first one, it's important to make the best use of your credit card. It's important to make sure you:

Pay your bill on time

Charging excessive amounts to your credit card will lead you to debt levels higher than you may be able to afford. But did you know that missing payments can also lead you to unaffordable balances?  Penalty interest rates may be applied to your balances if you miss payments and it may increase your monthly payment.  Be sure to set reminders 5 days before your payment is due. You may also setup automatic monthly transfers to avoid late payments.

Monitor your card history

Be sure to stay on budget and check for fraudulent transactions often.  Online and mobile banking allow you to verify your expenses daily, so you can look for fraudulent activity, keep your spending in check and within your budget.  Even if you've setup automatic transfers and/or reminders, it's still wise to log in and check your transactions regularly.

Keep your balance low

Your credit card is not additional income.  It can be appealing to charge your card now and pay it later but, if you can't afford it now, chances are, you probably won't be able to afford it later.  Unless you are facing an unexpected expense or emergency, it is always recommended to only charge what you have in your budget.  Debt tends to add up slowly over time, so be sure to spend wisely and only charge what you can afford.

Understand your card's billing cycle

Once your statement closes on your card's closing date, you have until the payment due date to pay your balance in full in order to avoid finance charges.  Be sure to understand your card's closing date, payment due date and grace period (the time between the closing date and due date). 

 

Over the phone?

Call 877.762.8663 to apply over the phone

Or print an application here and mail to:

Priority One Credit Union
1631 Huntington Drive
South Pasadena, CA 91030

 

Do you have any questions?

For more information on Priority One's Visa Credit Cards, be sure to review our disclosure here, or call us at 877.762.8663 and speak with a Financial Service Representative.

 
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