Dollars & Sense

Peach State FCU Blog

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How to Build Credit with a Credit Card

Securing a credit card and utilizing it each month can be an effective strategy to build a robust credit score. While other borrowing and repayment options are also part and parcel of a diverse ...

Find better alternatives to buy now pay later methods

Buy Now Pay Later: Exploring Limitations and Smarter Alternatives

Buy now pay later (BNPL) options are on the rise in Georgia and South Carolina due to the ease of use and convenience of monthly payments. Often though, these programs are not the best financial ...

a happy couple holding up their Peach State credit card

What is a Balance Transfer Credit Card and How Can it Help Me?

High-interest credit card debt can weigh the average working family’s monthly budget down. The inability to cancel out credit card balances is only compounded by escalating interest charges. In an ...

Young woman using her Peach State credit card online

How to Transfer a Credit Card Balance to Pay Down Debt in 5 Steps

Household debt continues to increase across the U.S. and some Americans are trying to learn more about how to transfer credit card balances and the possible savings they may experience by switching ...

A young woman uses her Peach State Credit Card to shop online

Using Credit Cards to Build or Repair Credit? Here's How Long it May Take

It may come as something of a surprise, but less than 2 percent of Americans have a perfect FICO score. The rest of us could use a boost. One of the tried-and-true methods to increase scores involves ...

This relaxing pool could be a perk of your travel credit card rewards program.

The Best Travel Rewards Credit Card Will Surprise You!

Travel for work or pleasure will probably be ramping back up before we know it. If you haven’t already, be prepared to receive daily offers – email, flyers and ads with promotions for travel rewards ...

wallet with credit cards

Find the Best Low Interest Rate Credit Cards – You Should Have More Than One

Types of Low Interest Rate Credit Cards Whether you’re trying to establish credit, or you want to make a large purchase, using a credit card is a great solution. But with so many credit cards out ...

When a Balance Transfer is a Terrible Idea

Rising high-interest credit card debt has people looking for ways to get financial relief. The average household carries approximately $9,000 in credit card debt, up a reported $400 per person from ...

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3 Tips to Find The Best First Credit Card for Young Adults

Getting your first credit card, allows you to create a positive borrowing credit history which will impact you for the rest of your life. That first credit card helps demonstrate responsible ...

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