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Freedom First Credit Union Your Complete Guide to Using Your Credit Cards

Q: I’d love to improve my credit score, but I can’t get ahead of my monthly payments. I also find that my spending gets out of control when I’m paying with plastic. How do I use my credit cards responsibly?

A: Using your credit cards responsibly is a great way to boost your credit score and your financial wellness. Unfortunately, though, credit card issuers make it challenging to stay ahead of monthly payments and easy to fall into debt with credit card purchases. No worries, though; Freedom First is here to help!

Here’s all you need to know about responsible credit card usage.


Freedom First Credit Union How Does our Rewards Credit Card Compare to Others?

Are you getting the most out of your credit card? We listened to our members and added new rewards you can earn in the first three months and beyond. We also have nationally competitive rates that rival many banks* — right here in your community.


Freedom First Credit Union How Does our Business Rewards Credit Card Compare to Others?

Are you getting the most out of your Business credit card? We listened to our members and added new rewards you can earn in the first three months and beyond. We also have nationally competitive rates that rival many banks* — right here in your community.


Freedom First Credit Union Understanding The Credit Card Trap

Did you know the average American household carries $6,358 in credit card debt?

 

If that doesn’t sound too alarming, consider this: A debt of $5,000 with an interest rate of 24.99% (which is the current rate of a typical Capital One or Citibank card), where only the minimum payment is made each month and no additional charges are made to the card, accumulates $4,823 in interest over five years. That means the cardholder would be paying nearly double the amount that was originally spent!


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