I'm devotee of local financial institutions plastics. I think they're extremely easy to use and be beneficial. I'm going to share some insights on five main subjects about these cards from my own personal insights.
1. First things first: understanding the fees and interest rates.
2. Next up: rewards and all the perks.
3. Now, let's talk credit utilization.
4. Next on the list: keeping an eye on my account.
5. Last but not least: customer service.
1. First things first: understanding the fees and interest rates.
It's super important to know about the charges and cost of borrowing when you're having a local bank plastic. I've had several unpredicted additional fees, so I ensure I am fully aware of the details.
A study by the consumer financial protection agency says fees can be a significant matter. So, I always read the fine print, just to be sure I know what I'm committing to.
2. Next up: rewards and all the perks.
Local bank credit cards have some sweet rewards. I've been and cash return, which I allocated to travels, dining, and retail.
The national bankers association says rewards can save you a lot of money. So, I've been wise in using my card, securing all the cash return and bonuses the incentives they provide.
3. Now, let's talk credit utilization.
Managing how much I owe is key to maintaining my good credit rating. I've been conscious not to overuse of my credit, because it can really ruin that.
Fair Isaac Corporation says keeping my credit usage below 30% is prudent. So, I've got set payments configure to make sure I don't exceed that limit.
4. Next on the list: keeping an eye on my account.
I've had to watch my account like a hawk to catch any unusual activities. I'm on high alert after a scary identity theft incident.
The FTC indicates identity theft is a big problem. So, I've got real-time alerts on my card to monitor anything fishy.
5. Last but not least: customer service.
When I've had a issue on my credit card, the client support has been great. They've helped me with accounting matters and technical problems, no problem.
A J. D. Power study says local banks are usually better when it comes to client contentment. I've been really happy with the customer care, which makes me feel good about Choosing my community bank card.