USALLIANCE Blog

What is a credit card?

Credit cards are essentially, a loan. A credit card is an account that offers you a line of credit that can be used to buy now and pay later. With a credit card you can make purchases, transfer balances from other credit cards, or make cash advances.

Ready, set… charge! The holiday shopping season is here, and between inflated prices, the rising cost of gas, and the urge to splurge this time of year, it can be harder than ever to stick to your budget. Here, we’ve listed eight-holiday shopping hacks to help keep your spending under control while still finding the perfect gifts for everyone on your list.

The most obvious things in life are often overlooked, and your checking account may be one of them. Most people hardly think about this important account and how to manage it effectively. The first step to managing your cash flow is setting up an account, such as a checking account, where your monthly income can go first. Then you can disperse your funds for your necessities.

What is International Credit Union (ICU) Day?

ICU day has been celebrated in October since 1948 and was designed to create awareness and celebrate how credit unions change their members' lives worldwide. This year marks the 74th anniversary of ICU Day.

Credit unions and banks have many similarities, but it's the differences that really matter. Here are a few benefits to choosing a Credit Union over a Bank that you might not have considered. 

“Debit or credit” has become the refrain of retail transactions. After selecting your purchases, it’s seemingly the biggest decision you have to make. For many people, the choice doesn’t get a second thought. In this article, we’ll look at three reasons why choosing your debit card for retail transactions may be the smarter move.

Don’t: Leave the House Hungry

Only shop while on a full stomach. This way, you won’t buy to satisfy your lingering hunger pangs

Just as you’re settling into the laid-back summer routine, retailers start rolling out their back-to-school displays, which may open that pit of dread in your stomach. Supply lists. New clothing. Backpacks, jeans, laptops and school shoes: It’s endless. And it’s so expensive!

Criminals are constantly finding new ways to access your money or personal information and evolve their tactics every week. Here are some common examples of scams people may be using to trick you into revealing your personal information.

Q: Is it a good idea to pay for gas with a credit card?