USALLIANCE Blog

Knowing when to use cash or a card can be a stressful situation for people. That’s why we’re here! To help you decide which option is best in certain scenarios.

There are millions of credit cards on the market today—you could drive yourself crazy trying to find the perfect card with the best rates, highest rewards, and lowest fees. That said, you shouldn’t apply to the first offer you receive in the mail, either. Finding the right credit card is often about compromise: you pick the best features from the options you qualify for, but you have to know what’s important to you in order to choose wisely. Answering a few questions about yourself, your credit, and your spending habits before you begin the application process can help you make a better choice down the line.

If you’re interested in learning to invest, you’re in the right place. We know that when you’re new to the game, investing can feel intimidating. Between the different types of investments you can make, accounts you can open, and strategies you can follow, there’s a lot to consider. We’re here to tell you it doesn’t have to be overwhelming. To help get you started, we’re going to break it all down right here.

Bad credit happens to good people every day. Who hasn’t—at least once or twice—bit off a little more than they can chew financially? Sometimes events out of our control, such as medical bills or natural disasters, can deplete life savings and run up debt, even if you are a conservative borrower typically.

If you’ve got some money and are considering opening an account at a financial institution, you’ve made a smart choice! But now you must choose from several different account options available at credit unions and banks and let’s face it, that can be overwhelming. Let us help you out.

You already carry your phone everywhere, so why not turn it into your wallet too? Go digital and ditch your physical wallet for good—everything you need to pay can be stored right on your mobile device. Between Mobile Wallets and third-party apps like PayPal, you can modernize your wallet in a matter of minutes.

Credit Builder Loans or Second Chance Loans, are a great choice for borrowers who need quick access to cash, but have low credit scores or little to no credit history. Through these types of loans, subprime lenders give consumers the opportunity to get their finances back on track.

As much as everyone should be entitled to a freebie this year, tax season 2020 is here. We still have to file our taxes with the state and federal government—boo!—but there are a few silver linings to the dark, billowing clouds that were 2020, such as stimulus cash and a filing extension.

Opening a USALLIANCE Financial MyLife Checking for Teens account is a simple way to teach financial responsibility and money management skills to your teenager. With a teen account, you can monitor purchases and limit your child’s daily spending—giving them just the right amount of freedom.

Taking out loans can be a convenient way for consumers to make large purchases such as homes, properties or vehicles. Consumers can also use them to pay off credit card debt or to fund higher learning, such as college or graduate school.