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A Few Things You Should Know About Credit

 

Borrow only what you need and what you can afford to repay.
Before you consider what kind of credit to use, you should determine whether you should use credit at all. Ask about the annual percentage rate (APR) of interest charged, if the interest rate is variable, and what fees are charged, if any.

 

Installment Loans and Lines of Credit


 

Secured Versus Unsecured Loans

 

 

Loans are Contracts and Carry Important Responsibilities


 

Identify the Warning Signs

 

If any of these reflect your financial situation, you may need help to manage your finances:



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