Short Term Loans: Making Them Work

5 Reasons To Use Credit Union Credit Cards

If you're looking to get a new credit card, you want to make sure that you're getting on that benefits you well. There are so many credit card options out there to choose from. Many people grab a card that is issued by a bank. but it can be smarter to go to a local credit union and get one of their credit cards. They can offer many benefits, and you'll usually get a better card. Here are some of the top reasons to use a credit union credit card:

Get a Lower Annual Percentage Rate

Even if you usually plan to pay your credit card bill balance in full, there will usually come a time when life gets in the way and you need to carry a balance. You'll want to have a card with a low annual percentage rate so that you don't pay high extra fees. A credit union credit card will usually offer much lower rates than a traditional bank-issued card. This means lower fees! 

Be Treated Like a Person

Credit unions are known for how they treat their members. You won't be just another number or customer. Instead of many banks, which rush and don't care for the customers, credit unions are kind, understanding, and fair. You'll be amazed at the customer service.

Get a Second Look

Most regular credit cards will either approve you or deny you during the application process. This can be frustrating if you're getting denials and need a great card. Credit unions are more likely to give second changes so they can relook at your application and try to work with you to get you approved for one of their credit cards.

Take Advantage of Extra Perks

Many credit unions offer extra local perks to their members. This is true with bank accounts and credit cards. This can be a good way to get added value with your new credit card.

Accounts Are Tied Together

If you choose to join a credit union, you have the added benefit of having your accounts tied together. This makes it easier for you to move money between accounts or have plenty of money during tough times. 

If you need a new credit card and are open to joining a local credit union, consider opening a credit union credit card. Take advantage of the options that are out there to help you better use and save your hard-earned money. 

About Me

Short Term Loans: Making Them Work

People warned me about taking out short-term loans, especially payday loans. What I found is that if I manage them responsibly, they come in very handy. On more than one occasion, these simple loans have helped me out of difficult situations. They took care of emergency car repairs, and provided the cash I needed to pay bills and avoid incurring late fees. I always repaid them on time, and the lender rewarded me by increasing the limit on how much I can borrow. If you are thinking of securing a payday loan, let me tell you what to look for in a lender. I'll also help you understand the commitment that you are assuming. With responsible use, I know you will find these loans as helpful for you as they've been for me.


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