Dollars & Sense

Peach State FCU Blog

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-bad-credit-car-loan-helped-this-dad-buy-his-jeep-and-enjoy-this-travel-adventure-with-his-son-in-the-open-air.

From Roadblocks to Road Trips: Bad Credit Car Loans Made Easy

Having bad credit or no credit at all can make financing a car an uphill challenge. While many banks are inclined to waive off Auto Loan applicants who don’t have stellar credit, local credit unions ...

Man-smiling-in-his-new-car-after-discovering-what-credit-score-is-needed-to-buy-a-car-beacuse-he-qualified.

What Credit Score is Needed to Buy a Car?

Americans have an undying love of automobiles and the freedom they offer. Purchasing a new or a reliable pre-owned car allows you to travel to favorite restaurants, social events, or just take a ...

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-group-of-young-men-and-women-are-wondering-how-old-do-you-have-to-be-to-get-a-credit-card-as-they-hang-out-and-chat.

How Old Do You Have to Be to Get a Credit Card?

While credit cards can be a valuable tool to help young adults build credit and prepare for their financial future, there are certain requirements that must be met. The most common question parents ...

Group of asian young adults finding their first credit card disclosure by researching it online.

Getting Your First Credit Card? 6 Mistakes To Avoid

Securing your first credit card ranks among the most exciting financial experiences in a young adult's life. The ability to shop online without asking permission or buying movie tickets without ...

This kids credit card will help this young adult male build credit.

Kids Credit Card: 3 Ways to Set Your Child Up For Success

The ability to gain approval for home loans and auto loans stems from borrowers possessing a good credit score, income, and an established repayment history. Upwards of 86 percent of all automobile ...

Two women researching how many credit cards should I have on a laptop.

Wondering How Many Credit Cards Should I Have? Here's Your Answer

When trying to gain an understanding of credit cards and the perfect number we should have on hand for success, opinions certainly differ. Although personal opinions on this subject vary, experts and ...

Credit cards for bad credit helped this couple checking their credit score on a tablet improve their score.

5 Ways Credit Cards for Bad Credit Can Improve Your Credit Score

Credit cards for bad credit or less than perfect credit can either be a blessing or a curse. They can either be the perfect tool to help improve financial opportunities or they can prove to be ...

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