Category: Credit Card

gold lock laying on top of three dark gray-colored chip credit cards

6 Tips to Protect Yourself from Credit Card Fraud

In the digital Information Age we currently live in, credit cards are thought of as a convenience — something many of us rely on. With a debit card or bank card in hand, consumers don’t have to worry about their bank lobby being open to access their money. As easy as it is to make… Read more »

adult male wearing round black glasses holding a credit card in one hand and his cellphone in the other making an online purchase

Pros & Cons of Credit Cards

For many of us, credit cards feel like an important step in becoming a financially independent adult — especially for young adults coming of age. And there’s no shortage of options for those who want or need to borrow funds, whether it’s for a specific purpose, vacation, or to help supplement income. “Credit cards have… Read more »

Building & Maintaining Good Credit with HRCCU

Whether you want to purchase a new car, your first home or even apply for a credit card, building a strong credit history is important. If you already have great credit, then you want to maintain it. If your credit is less than stellar, you might be dreading every credit check process. One of the… Read more »

The ‘$20 Rule’ – and How to Control Credit Card Debt

A lot of the advice you get about how to manage credit card debt is simple common sense: pay off your bills in full each month; don’t finance big-ticket items at high interest, etc. Some of the advice is a bit strange: freeze your credit cards in ice; melt only for emergencies. Sometimes we hear something new, and… Read more »