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Credit Card Tip #3: Check both perks and penalties

November 12th, 2013

If you travel, make sure the card is accepted worldwide and can give you cash advances if you need them. And check the policy on international purchases—some charge extra fees. Sometimes your agreed-upon APR (variable or fixed) is only as good as your timely payments. If you’re late, that agreement may be void—percentages can get tacked on, and fees added. See how long you have to make a payment. How is the minimum payment due calculated? Some are flat fees and some are percentage-based. What’s the grace period? Do they offer purchase/fraud protection? If you have an issue, can you make a local phone call to easily get it resolved? Don’t take anything for granted.

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Credit Card Tip #2: Read the fine print

November 5th, 2013

Credit card promotions definitely have their benefits, but remember to check the fine print. Balance transfers at 0% are great, but check to see how long you have to pay it off at that rate (it could be only a few months). Also note that 0% is only on the amount transferred; any new purchases fall under the card’s normal APR. And pay attention: find out which purchases get paid off first if you make a payment—the 0% or the standard APR ones.

Advantages to Using A First Source Visa® Card

November 1st, 2013

Everyone tracks purchases and pays bills differently. The First Source Visa® Platinum Card makes it easy. When you’re in the store, you’re usually in a hurry. Cash is cumbersome while your card is not. Just swipe it, sign the bill, and head out the door. At the end of the month, all of your purchases are listed on your statement in one place. Very helpful when managing a budget. You can get a printed statement or log in, check everything online and pay your bill right there. On top of all that, this card has a great low APR. 8.9%! And you get rewards points for using it. Since it’s powered by Visa®, you get in on national promotions, but since it’s a First Source card, you get local help if you need it. In person at a branch or through a local phone number. Holiday shopping can be stressful, but First Source strives to make it easy.

Credit Card Tip #1: Get the most out of your credit card purchases

October 29th, 2013

Almost every credit card offers some sort of perk: airline miles, rewards points, cash back, etc. So think about what perks you can use before you settle on a card. If you don’t like to travel, then a card that offers miles isn’t for you. Also think about how you use your card, and which cards let you earn extra points. If you’re a foodie who loves to dine out, then a double or triple restaurant points card is perfect. Just don’t forget to redeem those points!

Credit Card Tip #3: Check both perks and penalties

October 27th, 2013

If you travel, make sure the card is accepted worldwide and can give you cash advances if you need them. And check the policy on international purchases—some charge extra fees. Sometimes your agreed-upon APR (variable or fixed) is only as good as your timely payments. If you’re late, that agreement may be void—percentages can get tacked on, and fees added. See how long you have to make a payment. How is the minimum payment due calculated? Some are flat fees and some are percentage-based. What’s the grace period? Do they offer purchase/fraud protection? If you have an issue, can you make a local phone call to easily get it resolved? Don’t take anything for granted.


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