facebook Credit Cards Archives - Georgia Heritage Federal Credit Union
Routing Number: 261271694

Category: Credit Cards

Credit score ranges can be confusing.

If you are a young adult who has just begun to become financially independent, you may be wondering what the credit score ranges really mean. Following is a brief explanation of the numbers from two of the major credit scoring companies: FICO and VantageScore. The Differences Between FICO and VantageScore Let’s start with a simple explanation of the key differences between FICO and VantageScore. FICO – which originally stood for Fair, Isaac and Company – was founded in 1956 and has been the credit scoring...

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Strategically paying down credit card balances can help you manage your money and improve your credit score.

Having a credit card or two, along with fixed loans, can be good for your credit score – as long as you control your balances and make your payments on time. When it comes to credit cards, we know how easy it can be for your debt to spiral out of control, but smart strategies for paying down credit card balances can help you prevent this from happening. Tips for Paying Down Credit Card Balances Whether you’ve already found yourself in debt or want to...

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There are many benefits of obtaining a credit card from a credit union like Georgia Heritage FCU.

A credit card isn’t just a credit card. Sure, they may all be the same size and generally have the same concept, but when you read the fine print, they’re all different in some way. Research has shown that credit unions specifically tend to provide users with a better experience and better results when it comes to credit card ownership.  There are many benefits of obtaining a credit card from a credit union, and following are only a few of them. Why Obtaining a Credit...

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Keep your credit cards safe while traveling

Traveling is a treat for many people. Exploring fascinating locations, experiencing different cultures, and enjoying local cuisines takes us away from everyday life. We look forward to it for months and do not want anything to detract from our expectations. The theft or loss of a credit card, however, could definitely spoil the fun, so here are several tips that can help you keep your credit cards safe while traveling to ensure your vacation is all you want it to be. 9 Ways to Keep...

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This image features a woman looking at a computer. It includes a list of factors Georgia residents can use to choose the best credit card.

Sure, a credit card is influential in boosting your credit score, but how do you know which one to get? After all, hundreds of credit cards are available, so how do you choose the best credit card for you? Below are a few factors that you should always keep in mind. Secured or Unsecured Unsecured and secured credit cards have distinct differences. Secured credit cards are issued with a credit line that you provide in the form of deposit. They're often used to help improve...

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