Blog Posts

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    Know the Power of Your Personal Credit Card Benefits

    By Delta Community

    Consumers are always looking for the best deals, including those for credit cards. Reward programs make card offerings attractive, and consumers are generally loyal to their bank or credit union issued cards. Nevertheless, many cardholders are probably unaware of the additional benefits their credit cards offer, failing to understand or take advantage of some great security and consumer-protection features. Read More

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    Credit Scores 101

    By Delta Community

    From mortgages to personal loans, credit scores can have a significant impact on your financial future. Discover the way credit scores are calculated, the impact they have on interest rates and different ways to improve your score. Read More

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    Finding Credit Cards that Reward You

    By Delta Community

    Maximize your money with a credit card that rewards your spending habits. Credit card rewards programs offer you the opportunity to earn back some of the money you spend everyday on gas, food, and other expenses. Our team at Delta Community Credit Union teaches you how to be a savvy credit card shopper. Read More

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    A Young Adult's Guide to Credit Cards

    By Delta Community

    As a young adult, it is essential to establish a good credit history. One of the easiest ways to do this is with a credit card. However, with literally thousands of options in the market and your potential lack of a previous credit history, you may find the process of choosing the right card difficult. if you don’t have a record of paying bills, such as a gas or electric bill, then you probably don’t have a credit score and may have a hard time qualifying for a good credit card. Fortunately, a Delta Community Credit Union Visa Card is a great option for those of you who may be in this very situation.  Read More

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    Getting Your First Credit Card

    By Delta Community

    Everyone becomes financially independent at different points in their life. For some, it’s going to college and for others, it’s after graduation. Because there are so many factors that come into play, there’s no set timeline for establishing financial independence. However, a great first step to take towards becoming financially independent is getting your first credit card. As you get older and start applying for loans for college, a car or even a home, you’ll find that you need to have good credit. One way to establish good credit is by demonstrating financial responsibility with a credit card and paying off the balance in a timely manner. Read More

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    Layaway vs. Credit Card for Holiday Shopping

    By Delta Community

    As we enter December, everyone is starting to gear up for holiday shopping. This is a time of year when it really pays to be a smart shopper since the average American spends $832.66 on holiday gifts! While research has shown that the best way to avoid overspending is to use cash, sometimes that’s not an option. Layaway programs and credit cards are alternative methods to pay for big purchases, but how do you decide which one is best? We’re here to help you figure out what’s the best choice for you, so that you can remain a smart shopper this holiday shopping season. Read More

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    Build Your Credit and Get Rewarded At The Same Time

    By Delta Community

    One of my friends recently paid off all of her credit cards and cut them up, vowing never to use them again. I told her that was a big mistake. Sure, it’s cool to be debt free, but part of having good credit is maintaining it. Read More