At Polam FCU, not only do we strive to provide you with the best financial services possible, we also want to share some guidance and expertise. Peruse our blog for the latest industry news and information relevant to you.
For anyone who’s ever had a credit card, especially more than one credit card, we all know that making monthly payments can feel like a futile operation. However, it certainly isn’t, as making (at the very least) minimum on-time monthly payments is incredibly important when it comes to maintaining or improving your credit score, even if it just feels like you’re chipping away at it. Owning a credit card can be highly beneficial, as you’re able to borrow and make payments each month on what you borrow; if you to make an emergency purchase, for instance, and don’t have▸ continue reading
The holiday season is well known for being a merry, happy and festive time for Americans. Whether you’re sharing the holiday with friends or family (or both), Christmas season and Christmas Day itself is universally recognized as a time of giving gifts to your loved ones. However, while shopping for the perfect gift may be an exciting experience for some, it can also potentially lead to overspending if one doesn’t have a clear budget lined out for their shopping and gift giving. Keeping a budget year-round is important, but during a time where your spending may increase, it’s▸ continue reading