- Do you know the benefits a premium credit card can provide?, Almost every grown adult has one or more credit cards . Credit cards are used in a variety of ways. While people swipe their cards and go on their way, many are unaware of some of the great features and perks that come with certain credit cards, especially premium credit cards. When you consider some of these features and benefits, it reveals several ways a premium credit card can be used to your…
- A Premium Visa® Credit Card Can Provide Big Benefits to Travelers., Some people may wonder what a premium credit card offers over a more traditional credit card. After all, how different can they be? The answer may surprise you. People with premium credit cards can reap all kinds of benefits. People who travel, either for business or pleasure, may find some premium credit cards provide all kinds features that are ideal for them. Some premium credit cards seem to…, Here are some of the benefits that premium credit cards may provide to travelers., Airline Miles Most people are familiar with airline miles as a credit reward. It's been around for a long time for good reason. Airline miles are handy for both business travelers and those who travel for enjoyment alike. These can help cut down on costs and offer more options. Cruises If you are traveling by sea, some premium Visa® credit cards provide great rewards and points toward cruises…, Enjoy your premium benefits!, As you can see, if you are someone who travels, having the right premium Visa card can offer big benefits to you. With your premium Visa card, you can save money, get great deals or rewards , and enjoy added protection against a number of potential travel misfortunes. At Visions, our premium credit card – the Elite Visa Signature® card – has no annual fee or monthly maintenance fees! Ask for…
- 7 Useful Ways to Make Your Credit Card Work for You, Credit cards . Like money itself, they are a great servant and a bad master. We all know at least one person who uses them unwisely. Nobody wants that. Instead, you want to know how to make a credit card work for you the best you can. Check out the list below to learn about some helpful ways to use your credit card. , Payment Form, This may seem like an obvious or simple way to use a credit card. However, it's worth noting. When used as a form of payment, a credit card does a few things for you. First, you have a simple way to make purchases using your credit card. Plus, with fraud protection on credit cards, you can do so safely. When you look at your credit card as a form of payment, not a form of financing, you can…, Earn Rewards, When used as a form of payment, a person can stack up rewards over time. The rewards will depend on what kind of card you have. Premium credit cards generally offer more rewards than traditional credit cards. Also, there are different kinds of rewards depending on the card. For instance, some premium credit cards cater to travelers because of their unique needs., Added Safety and Security, When you want added safety and security with your purchases, you may consider using your credit card. With various kinds of fraud and identity theft, having some protection on your purchases can be the difference between a wonderful shopping experience and a terrible headache. Credit cards offer fraud security and added protection against these kinds of threats. Plus, you may be able to set up…, Online Purchases, Staying on the topic of safety and security, it's important to highlight online purchases. People are shopping online more than ever. It can be a good way to buy goods and services. However, when you shop online, especially using a public wifi, you may be on an unsecured connection. This leaves your information at risk of theft. The added security and safety credit cards provide can help protect…, Hotel Rooms, You may know the drill when you go to a hotel. The clerk asks you a set of questions upon checking in and asks for a credit or debit card. Many believe they are asked for their card to verify who they are to the hotel. While that may be true, that's not the only reason the hotel asks for your card. In fact, the card is a kind of security deposit for the hotel. They want this information to help…, Car Rentals, This is on the list simply to let people who seldom or never rent cars know how it works. At many car rental companies, they simply won't take a debit card. They have an interest in knowing something about the reliability of the renter. So if the company does take debit cards, they may do a credit check. With a credit card, you avoid the hassles and your credit won't dip temporarily because it's…, Know your benefits. Enjoy your perks., Hopefully, this list provided some valuable insight into some of the ways a credit card can be used to your benefit. As with any financial matters, you want to make informed, responsible decisions. Understanding how credit cards work and ways they can be used is a good idea to help you make your money work for you. At Visions, our credit cards – Visa® Platinum and Elite Visa Signature® – have no…
- What is cash out and how does it work?, It's normal to have questions regarding auto refinances, especially when it comes to refinancing with cash out. The good news is that auto refinancing with cash out is simpler than you might think. Refinancing with cash out is simply using the equity you have in your vehicle to pay off other debts or to get extra cash for other purposes. Here's how it works. Let's say you have a car or truck. It…, Cash Out Auto Refinancing Process, The process is pretty simple. You can speak with your credit union lending expert or fill out an application. However, there are a couple things you may want to consider. You want to know the value of your car or truck: Do some research. Look at the NADA website at http://www.nada.com/ to get an understanding of your vehicle's value. Consider your credit score: As with all kinds of lending, your…, How Cash Out Auto Refinancing Can Work For You, If done appropriately, auto refinancing can work for you in a couple of ways. Depending on your current financial position, you can use cash out auto refinancing to lower your payment or even lower your interest rate. If you have questions about whether auto refinancing with cash out will work for you, you can always bring your questions to your credit union lending experts. They can answer your…, Here are some key points to remember:, Refinance your existing vehicle and "cash-out" the equity in your car up to 100% of the value Utilize the loan proceeds beyond refinance amount for any purpose (pending approval and conditions) Applies to current model year and 10 model year's back – i.e. 2007 and newer for 2017, 2008 and newer for 2018, and so on Thinking of applying? Start an application today
- People need a car. For most people, that means getting an auto loan. Whether you're just starting out or you're fresh out of school, not having established credit causes concern for many people, which leads to the following question:, Is it really possible to get an auto loan with no credit?, And the answer is, yes! It's definitely possible to get an auto loan with no credit. Here are some considerations if these circumstances apply to you. Credit vs. No Credit Financing a vehicle without credit can be quite different from the auto loan process with a great credit score and history. Your financial institution can help you through these differences and explore options that fit your…, Save up for a down payment, - Go for at least 10 percent. This will demonstrate responsibility and commitment to the lender while lowering the payment of your loan., Have proof of employment, - Showing that you are gainfully employed and earning an income often reflects favorably on you in consideration of an auto loan., Have documented history of bill payment, - In addition to earning an income, paying your bills is proving financial responsibility and commitment that is necessary for paying back a loan. If you don't have established credit and have questions about obtaining an auto loan, it's better to be informed and prepared. Talk with a professional at your credit union or bank to learn more and prepare yourself in advance. That way when the time…, 800.242.2120, or stop by a local branch . We're also available for free, confidential one-on-one financial counseling .
- It's pretty common for people to buy a car or truck using an auto loan. So, it makes sense that people are interested in getting the right auto financing. When seeking an auto loan, people want to: Know that they can get a loan Secure an attractive rate for their auto loan Have auto loan options from sources other than the dealership Have an understanding of what they can afford going into the…, Pre-approval for an auto loan really provides several benefits:, Establishes your budget Helps you calculate potential monthly payments Allows you to shop in a similar way to a cash buyer Provides solid options outside of dealer financing Simplifies the buying process Helps reduce stress (if buying a car stresses you out) and saves time! With all of these solid benefits, you may want to explore pre-approval for your auto loan . It may be simpler than you think…
- People have all kinds of questions about auto loans, many of them related to their options. This leads to a logical question:, Can I refinance my auto loan?, The short answer is, "Yes." Refinancing an auto loan is generally an available option, and Visions can help. Whether it's right for you or your vehicle is another question. The fact is, refinancing may not be appropriate for everyone. For example, if you have a low credit score or your car is worth less than what you owe (this is known as being "upside down"), it may not be the best move. As with…, Interest rates have dropped, – Let's face it: when it comes to auto loans (or any loan), people like lower interest rates. Depending on your situation, you could enjoy some serious savings with an interest rate that's lower by even a point or two., You have a higher credit score, – Maybe your credit wasn't that great when you needed your last car but you've been working on improving it. In general, a better credit score means a better rate. Refinancing an auto loan could be a great opportunity to take advantage of a more attractive interest rate., You've experienced a bump in the road, – Life is unscripted. Things happen. If your financial situation has taken a hit, refinancing for a longer term might be a way of lowering your monthly payments. Keep in mind, however, that lengthening your loan term could impact the cost of interest payments over time. Weigh the benefits and other considerations. Before you make a decision on refinancing, take some time to understand your…
- People want to refinance their auto loan for various reasons . As with any financial decisions, some times are better than others to refinance your auto loan. When Should I Refinance My Auto Loan? In general, early in the term of your loan and if you have a good reason. You can see more benefits in terms of money saved the earlier you refinance. There are two simple explanations for this. Auto…, Here are a few other times and reasons you might want to consider:, Have you earned a higher credit score? Have you experienced an unforeseen financial setback and could use a lower payment? Are you at the end of a lease and want to purchase the vehicle? If you've answered "Yes" to any of these questions, you may want to consider refinancing your auto loan. Take some time and look into the interest rates . Crunch the numbers and calculate the payments. Weigh the…, Ready to apply?, Get started!
- Once a person learns what a money market account is, they have a logical next question: what can I do with it? That's a good question. After all, it's always good to know what options you have to make your money work better for you. With that in mind, let's take a look at some of the uses of money market accounts. "Parking" your money Let's say you have a chunk of money and you aren't going to…
