Ever wish you could

"Buy now Pay later"?

Now You Can!

If you are over the age of 18, you can now qualify to start up credit. Credit is the ability to barrow money in return of a promise to pay it back in the future.

With Credit you can...

Qualify for different types of credit such as....

  • personal loans
  • Installment loans
  • credit cards


That can help pay for....

  • Housing
  • Cars
  • schooling


It is important to know that.....

Credit is not free!

  • you must pay interest. (APR or annual % rate)

Interest is a fee paid on borrowed assets. It is the price paid for the use of borrowed money.


Basics of Credit cards

What is a credit card?

A credit card is a plastic card issued by the bank for the purchase of goods or services on credit.Y

you can buy things, withdraw money from an ATM and make balance transfers. Different rates of interest may apply to these different types of transactions.

Where can you use credit cards?

You can use credit cards anywhere

What are costs of using credit cards?

The required annual fee of a credit card is from $15 - $100. The Interest (APR) rate is from 0% to 29%.

  • Benefit = Pay entire balance by due date = no interest & you get to build credit.


• Credit Limits

it's the total amount your credit card provider is willing to lend you. The amount can vary from person to person and will be worked out on the scoring of your application.


Max amount you can spend using card

Over limit = penalty fee or declined

Approx $30 for each charge made beyond limit






Safe ways to use a credit card

It's important to know your credit card limit and stay within it. Be sure to double and even triple check what it is.


If you go over your credit limit there's a good chance you'll have to pay charges so it pays to be extra careful.

To save money and pay off your balance sooner, it's worth paying as much as you can in addition to the minimum payment.