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Did you know 0% interest credit card rates could ruin your life?
I sat down with our Assistant Vice President of Lending and Sales, Nancy Culp, and chatted 0% interest credit card rates vs. First Financial’s low 7.9% APR* to see what the better option would be when...
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Your Credit Score: What It Is, What It Means, and How to Improve It
Our Assistant Vice President of Lending and Sales, Nancy Culp talks credit scores. In this post, learn what she had to say about what a credit score is, what it means, and how to improve it. And, if...
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Credit Repair: How to Help Yourself and Recognizing a Credit Repair Scam
In an article written by The Federal Trade Commission (FTC), the organization discussed credit repair — how to help yourself and how to recognize a credit repair scam. Below are a few of the points it...
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Managing Your Finances in an Unsettling Economy Seminar Summary
Last week we held a seminar on How to Manage Your Finances in an Unsettling Economy. Our AVP of Lending and Sales, Nancy Culp, and our Business Development Officer, Megan Shull, taught attendees about...
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Vacation Tips for the Money Conscious Traveler
Of all the joys that summer brings, vacation is one of the biggest joys of the season. While your vacation can bring you much needed rest and relaxation, it can also bring unnecessary stress if you...
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Checkout Fees: Are you Being Charged?
According to an article by the Electronic Payments Coalition, merchants have gained the ability to tag on additional fees to your purchase when you use a credit card through a term settlement. In...
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Protect Yourself When Buying Retail and Travel Items with your VISA® Credit Card
VISA® recently released a list of benefits and features for First Financial’s VISA® Platinum Credit Cardholders. It’s an ideal time to purchase back to school supplies and clothing, and the list...
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You Could Win a Kindle Fire HD just in time for the Holidays & Debt in Focus...
We are happy to announce that our free, anonymous online debt management tool called Debt in Focus has recently been upgraded and is now quicker and simpler to use than ever! And since it’s the “season...
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Credit Management Seminar Summary
This past month First Financial’s AVP of Lending & Sales, Nancy Culp, provided our seminar attendees with information on the importance of credit, what makes up your credit score, rates and fees...
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Four Credit Card Mistakes You’re Already Making
Using credit cards responsibly may not sound appealing at first, but being plagued with too much credit card debt is an ugly mess that can develop quickly and linger for years. Making smart decisions...
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6 Smart Moves to Boost Your Credit Score
If you think your credit score doesn’t matter too much to you because you’re not planning on getting a mortgage or applying for a credit card anytime soon, think again. Credit scores affect more...
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7 “Not So Smart” Credit Tips
There’s a lot of advice floating around out there about how to manage your credit cards and other debts to maximize your credit score. The trouble is, not all this wisdom is created equal, and some...
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5 Credit Card Tips for New Grads
American college students tend to have a rough time with credit cards. Without much real-world personal finance experience, many spend beyond their means and graduate with credit card debt. And even...
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My Kid’s Drowning in Credit Card Debt! What Do I Do?
If you trusted your son or daughter to keep track of their finances, and they slipped up, what in the world are you supposed to do? Let’s say they’ve racked up a big, nasty credit card debt — to the...
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3 Ways to Build Your Credit Score – Without Using Credit Cards
You’ve probably heard over and over that it’s important to have a credit card or two and to use them responsibly if you want a high credit score. No doubt you’ve also been told that making monthly,...
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3 Money Mistakes that Can Land You in Debt
We’ve all heard the following personal finance advice: “Don’t spend more than you make.” “Pay your credit card off at the end of every month.” “If it sounds too good to be true, it probably is.” While...
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9 Things Consumers Don’t Understand About Credit Scores
Three numbers can affect everything from securing a mortgage or loan, to how much interest you’ll pay when you’re approved for a house. And while they’re just three numbers – that typically range from...
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What to Do If Your Credit Score Is Too Low For a Mortgage
If you’re preparing to buy a home, you probably know that your credit score is important. Maybe you’ve already been turned down for a mortgage because of a low credit score. Or maybe you’ve recently...
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This Incredibly Common Practice Could Tank Your Credit
Revolve a balance on your credit cards? It’s something many of us do, especially as the holiday shopping season kicks into high gear. But consider yourself warned: It could also be viewed as a red flag...
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What’s the Worst Kind of Debt?
What is the worst kind of debt to carry? Is it student loan debt, credit cards, a mortgage — or something else? Even the experts don’t always agree on which debt is “good debt” and which is “bad,” so...
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