Credit Insights
Explore insights for your lifestyle
Credit
What's a Good Credit Utilization Ratio?
Having access to more credit but using less of it will help improve your credit score over time.
Your credit utilization makes up about 30% of your credit score, according to Experian.
Credit
No Credit Vs. Bad Credit
The difference between no credit and bad credit is the difference between building and rebuilding.
Once you have that first account established, making on-time regular payments and keeping your debt burden low compared to your income will help you earn a good credit score.
Credit
Credit Card Perks You May Have Overlooked
Do you know whether you have these four credit card perks?
Depending on where you're buying, a contactless card may even mean you can now avoid checkout lines and checkout terminals entirely.
Credit
6 Ways to Make the Most of Your Credit Card
See how your credit card can help you budget, build credit, manage cash flow, earn rewards and more.
Credit card rewards can be a great way to earn a little extra cash for spending money on items you'd buy regardless, if you can pay the balance off in full each month and avoid interest charges.
Security
Use Card Alerts to Prevent Fraud
Learn how to set up and use card alerts to safeguard your finances.
Card alerts can help you keep a watchful eye on your accounts while offering peace of mind for your overall finances.
Credit
5 Ways to Lower Your Credit Card Payments
If you struggle to manage credit card debt or just want to pay less monthly, consider these tips.
Negotiating a lower rate with your credit card company could ultimately lower your monthly credit card payment.
Credit
Using Balance Transfers to Manage Your Credit Card Payments
Finding the right balance transfer offer may help you manage your credit card debt.
As you review balance transfer offers, remember to read the fine print.
Credit
Maximizing Your Credit Card Travel Rewards
Learn how a travel reward card works and how to maximize point earnings in your favor.
You don't have to lose your rewards points simply because you can't use them on travel costs.
Debt
Two Strategies to Pay Off Your Credit Cards
If you're looking for a pay-down strategy for your credit cards, consider a debt avalanche or a debt snowball.
Using these strategies can help you get a handle on your credit cards and pave the way to a lower-debt future.
College
5 Ways to Build Credit in College
Building credit in college makes the transition to professional life that much easier.
Building credit as a college student gives you a leg up when you enter the professional world.
Credit
How UltraFICO Can Help Your Credit Score
The UltraFICO score takes into account can help people get a credit score or improve a low score.
A new credit score called UltraFICO allows more people to get a score and qualify to borrow money.
Credit
How Personal Loans Can Help Financial Wellness
Getting a personal loan could help you consolidate your debt or increase your credit score.
Making monthly payments toward a loan tells lenders you're responsible with your debt.
Security
3 Features That Protect Your Credit
Alerts, freezes and locks are leading tools to protect yourself from identity theft.
The best option for you to protect your credit depends on your situation and needs—all three of these methods are reliable and secure.
Credit
What to Know Before Closing a Credit Card
Learn how to close a credit card and what impact it could have on your score.
Closing one card may not have much impact on score.
Calculator
Are Credit Card Balance Transfers Worth It
Find out if you would benefit from a credit card balance transfer.
Calculator
Which Credit Card Would Reward You the Most?
Based on your shopping and spending habits, find out which First Citizens credit card would reward you the most.
Showing 17 - 32 of 32 results
Showing 17 to 32 of 32 results
