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Financially Fit

What’s the Difference Between Running my Debit Card as Credit or Debit?

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When you go to run your CES Credit Union VISA® debit card at the checkout, you will often have the choice to run that transaction as “debit” or as “credit” leading you to ask the question, “What’s the difference?”

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Building Better Credit Habits

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U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they owe. But, regulations can't prevent people from making poor debt management habits.

Here's some advice for controlling credit card use:

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Financial Literacy Quiz

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How financially literate are you? Do you have the skills and knowledge to spend money wisely, save for emergencies, use credit cards sensibly, and protect your identity from being stolen?

This short quiz will help you test your financial literacy to see where you need to focus to improve your financial future.

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Six Rules for Managing Credit Card Debt

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If you want to be the master of your credit card debt load, follow these key rules:

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Drive Off the Lot with Credit Union Financing

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Did you know you can get credit union financing--right at the car dealership?

The process is designed so credit union members benefit several ways.

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How To Build Credit Without Credit Cards

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It's a frustrating contradiction: You can't qualify for credit without a credit history—and you can't build a credit history without borrowing.

Borrowing is the most common way to build a credit history, but it's not your only option. Use these tactics to demonstrate to borrowers that you're a reliable credit risk:

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5 Steps to Improve Your Credit Score

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Your credit score is important—too important to NOT take steps to improve it. Fortunately, there are some easy, actionable steps you can take to boost your score that will pay off big time in the future.

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