Category: Credit Card

poor credit report resting on a wood table beneath a pair of black, plastic glasses and a pink pencil with graphite tip

How to Increase Your Credit Score

Your credit score is more than just a meaningless three-digit number. Lenders use your credit score to help them decide whether you are an ideal candidate for a loan or credit card. These three-digit numbers turn out to be quite significant. The higher your credit score is, the more likely you are to qualify for… Read more »

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 »

Why Might Skip-A-Pay Be for You?

Each year, HRCCU offers its members the Skip-a-Pay program twice per year, in the summer and the winter. The loan must be at least six months old to qualify for the program. HRCCU offers the option to skip on the following loans: personal loans, VISA credit cards, auto loans (excluding GreenLight Auto Loans), boat and… 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‘ & How to Control Credit Card Debt

A lot of advice about how to control credit card debt is simple common sense — pay off your bills in full each month, and don’t finance big-ticket items at a high interest rate. Some of the advice is a bit unorthodox, such as freezing your credit cards in ice and melting only for emergencies. But, sometimes,… Read more »