Build Your Credit Responsibly!
Credit cards are an important financial tool, but they need to be used responsibly. Here’s a checklist to follow:
- Pay more than just the minimum payment each month. If possible, pay it off each month.
- Use less than 30% of your credit limit.
- Use credit only if you're certain you can repay the debt.
Secured credit cards – Consider setting aside $200-$300 to secure a credit card in your name. You’ll have the convenience of shopping with a reputable card brand, and we hold the funds in a savings account to secure your purchases. You pay off your card balance or make monthly payments by the due date each month, and your credit score goes up. Compare our low interest rates with no annual fee to bank products, which generally have higher interest rates and annual fees and it’s easy to see why it makes sense to build your credit with your Town & Country Credit Union membership benefits.
Town & Country Credit Union offers a Student Visa®, Classic Visa®, Platinum Visa® and Business Visa®.