Credit & Debt Resources

7 Surefire Ways to Improve Your Credit Score

With a higher credit score, you enjoy greater savings and better terms on things like a mortgage, an auto loan, and sometimes auto insurance premiums.

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7 Steps to Control High Interest Credit Card Debt

Whether using credit cards for those “one-click” online purchases, or the ease of swiping your card at your favorite coffee shop, credit cards are convenient tools when managing money.

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Tips for New Credit Card Holders

For those starting their college career or starting a new job, keep your eye out on offers for credit cards. Figuring out how to manage credit cards is critical for new borrowers.

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How Does a Credit Score Really Work?

Your credit score is a representation of your behavior with borrowing money and is used by potential lenders to determine your level of risk before they lend you money.

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Credit Cards vs. Debit Cards – What is the Difference?

When you use a debit card, money is withdrawn from your checking account in real time. With a credit card, you are borrowing money from the bank.

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Three Things to Look for in a Balance Transfer Credit Card

If you’re paying the minimum each month, most of your money likely goes to the interest, meaning it can take years to make notable progress on the principal—the money you borrowed in the first place.

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Credit & Debt Videos

Visit the OneAZ Credit Union YouTube channel for more videos.

APR = Annual Percentage Rate