CREDIT EDUCATION

Improve Your
Credit Rating

A credit card is a convenient and immediate way to pay for bills and purchases. Learn how to use your credit to your advantage by reviewing our credit education resources.

THE BASICS

Few can afford to purchase everything they need — much less everything they want — without a little help.

DO'S AND DON'TS

A credit card is like a short-term loan. It's is the most popular form of personal credit, but also the least understood. Although it might seem easy to use — just swipe, right? — there's a right way, and a wrong way, to use a credit card.

SELECTING A CARD

If used wisely, multiple credit cards can be a good idea. But if you have too many or run up a balance on one card only to move to the next and the next and the next, it's time to get picky.

CREDIT HISTORY

In almost every case, when you ask for a loan or credit, lenders check your credit rating. Typically, it's a numeric ranking that indicates how credit-worthy previous lenders think you are.