ways to know youre using a credit card responsibly

Credit cards are an important financial tool, but they need to be used responsibly.

Here’s how to know you’re okay:

  1. You can easily pay more than just the minimum payment each month.
  2. You don’t rely on your credit card for everyday purchases.
  3. You are using less than 30% of your credit limit.
  4. You never take out cash advances.
  5. You use it mostly for large, necessary expenses.
  6. You read all the fine print in every letter you receive from your credit card company.

Ready for a better credit card?

The Visa Rewards Plus credit card is a dream come true. There's no annual fee*, no balance transfer fee and you'll earn unlimited reward points on purchses. Best of all, we offer 0% introductory APR for the first 12 months, after that your APR will be 8.90%-14.90% based on credit worthiness. Apply today!

Need to build your credit?

Advancial offers a Savings Secured Visa® credit card to help you grow your credit responsibly. Secured with your Advancial account deposits, you can qualify for limits of $500 to $3,000. There's no annual fee**, you'll earn reward points on purchases and enjoy 0% introductory APR for the first 12 months, after that your APR will be 16.90%. Call 800.322.2709 to get started today!