Credit One Bank

Feb 6, 2024 | creditonebank.com | Heather Vale

IntroductionOne of the best things about applying for a credit card is getting a new line of credit. One of the worst things is putting a ding on your credit score. This is especially troubling if you have a lower score to begin with, because you’re trying to build your credit up … not tear it down. So it’s important to understand the difference between hard and soft pulls, when they happen, and what effect they have. This lets you be strategic in protecting your credit.

Feb 1, 2024 | creditonebank.com | Heather Vale

IntroductionIt would be nice to just trust that we’ll have the money we need when we need it. But when it comes to saving up for a large expense or paying down debt, a bit of forethought is required. Real financial progress happens when you make plans with set dates, budgets, and rules to follow. That said, mapping out the path to monetary success can be overwhelming — especially if your goal is years away — and sticking to it is often another challenge entirely.

Jan 28, 2024 | creditonebank.com | Heather Vale

IntroductionYour credit score is an important little number that follows you around and impacts all kinds of things related to your financial life. That includes the terms and interest rates on your credit cards and loans, and whether you even get approved for them in the first place. But it also sometimes affects your car insurance and home insurance rates. And it could go as far as determining whether you get a job or not.

Jan 22, 2024 | creditonebank.com | Heather Vale

IntroductionThe Credit Card Accountability Responsibility and Disclosure Act of 2009 — better known by the apt acronym, Credit CARD Act — put certain conditions in place to protect consumers.

Jan 16, 2024 | creditonebank.com | Heather Vale

There was a time when all savings accounts paid interest rates that could net you a nice return, and every kid had one as a means to save for their future. These days, traditional savings accounts don’t pay much interest. However, there’s still a way to keep your money safe, have access to it as needed, and earn a higher interest rate than other accounts might offer. And that’s a high-yield savings account, which could very well offer you the perfect combination of features.