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Category Archives: Your Credit
If you want to stand on your own when building credit or have been turned down and need some credit repair, Consumers Credit Smart can help! Our new program helps you build payment history to begin establishing or repairing your credit. Upon completion of the program, you’re guaranteed a Consumers auto loan or credit card. How does it work? 1. Apply with a Consumers Credit Union Member Service Representative. 2. Make your monthly payments. 3. During the term of the loan, complete a budgeting session with our partner Accel Financial Services. 4. Congratulations! Once your saver loan is paid in full, you are guaranteed a future auto loan or credit card with Consumers. To learn whether the Credit Smart Program could benefit you, call us at 800.991.2221 or stop by any of our offices.
Go. Live. Play. Work. Whatever your lifestyle, Consumers has a card ready to help you succeed. Choose from credit cards that help you save money or earn rewards both for your home and business. In addition to the local, superior service you expect from Consumers, you also benefit from MasterCard’s worldwide acceptance and “zero liability” protection for unauthorized purchases. Plus, you get the peace of mind that comes from added security features, including Extended Warranty, Price Protection, and Identity Theft Resolution. Visit ConsumersCU.org/Loans/CreditCardholderBenefits for details. And with 24/7 online account access, your payment and billing options have never been more convenient. You even have the option of earning rewards points to redeem for travel, merchandise, gift cards, and more! Plus, take advantage of 0% APR* for 6 months on all credit card balance transfers and purchases made through March 31, 2014. After that, your standard variable APR of 8.99% – … …continue
Consumers Credit Union is proud to bring you a new level of service with our exclusive MasterCard Credit Cards. We’ve deepened our relationship with MasterCard to bring you a card that lets you make purchases safely and conveniently, while enjoying added security and benefits. In January of 2014, Consumers members with an existing Visa Platinum or MasterCard Gold credit card will receive a new enhanced MasterCard. Your new card combines Consumers’ local, superior service with MasterCard’s worldwide acceptance. You’ll also benefit from “zero liability” protection for unauthorized purchases, extended warranty, price protection, identity theft resolution, and 24/7 online account access. You can even earn rewards! Visit ConsumersCU.org/Loans/CreditCardholderBenefits for details. It gets better. To ease the transition to your new card, once you receive it, take advantage of 0% APR* for 6 months on all purchases and balance transfers made through March 31, 2014! (Standard variable APR as low as 8.99% … …continue
Are you still paying for your Christmas vacation? Or paying off store credit cards for your Christmas purchases? Take advantage of 0% APR* for 6 months on all balance transfers and purchases made through March 31, 2014. After that, your standard APR of 8.99%-22.99%, depending on your credit history, will apply With no balance transfer fee, you’ll be rewarded with immediate savings when transferring your high rate balances. Don’t have a credit card at Consumers? Apply today and start saving. Call 800.991.2221 or stop in to get started. *APR = Annual Percentage Rate. 0% APR available for balance transfers and purchases made through March 31, 2014. The 0% APR is good for 6 billing periods from the date of the first purchase or balance transfer. Balance transfers will be processed as cash transactions and at the end of this promotional period, if a balance remains, will be subject to daily … …continue
Consumers Credit Union wants you to find financial success—without the stress. That’s why we’re bringing you our monthly list of financial to-dos. Just complete these tasks to stay on top of your finances all year long. January: Review your budget. How did you do at sticking to your budget in 2013? Now’s the time to evaluate your budget and make changes for this year. Didn’t make a budget last year? Start by tracking your spending for a month to see where your money really goes. February: Create savings accounts to keep you on track with your goals. To help you stay on track with your budget, create savings accounts for your financial goals—a down payment, a vacation, an emergency funds, or presents for next Christmas—whatever it is you’re working toward. March: Check your credit report. You are entitled to one free copy of your credit report from each of the … …continue
Keep some cash for some holiday fun—or a vacation once the holiday parties have passed. Members with qualifying loans can skip one monthly loan payment per loan in either December or January.* Use the cash for Christmas shopping, holiday celebrations, or to catch up with bills. You can initiate your skip by logging into online banking and selecting “Skip a Loan Payment” under the “Accounts” tab or by calling us at 800.991.2221. For payments of $500 or greater, the fee to skip a payment is $50; for payments of less than $500, the fee is $35. Please submit your skip request at least seven days before your payment is due. Skips will be processed approximately two weeks before your payment due date. *Deferment of payment will extend the life of the loan and may cause an increase in the final payment amount. Offer only available on CONSUMER vehicle or RV … …continue
On Thursday, Target announced a significant breach in their payments data, which may impact shoppers who made credit or debit card purchases in their stores from November 27 to December 15 of this year. In light of this announcement, Consumers Credit Union reassures members that your debit and credit cards are protected with the highest standards of fraud monitoring services. Visa and MasterCard are currently researching the extent of the data breach. Our Card Services team is working closely with them and our fraud monitoring service to minimize any effects on our members and will act accordingly as we learn more. In the meantime, if you are concerned that your cards may have been compromised, please regularly review your credit and debit transaction history and account statements and alert us to any irregularities. We will work with you to swiftly research the issue, return any funds lost as a result … …continue
It’s easy to go overboard on holiday spending—especially when your favorite stores give you special offers for opening their credit cards. But be careful with what you’re signing up for. “Once the holiday cheer has worn off, store credit cards can turn a silent night into a sleepless night,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the second in the Consumers ConnectU December holiday series, to learn what to consider before accepting a credit card offer. Then check out our tips for creating a holiday budget.
Keep your cash for some holiday fun! Members with qualifying loans can skip one monthly loan payment per loan in either November, December, or January.* Use the cash for Christmas shopping, holiday celebrations, or to catch up with bills. Many members have questions about Skip a Pay. Let us answer them for you! How do I initiate my skip? You can initiate your skip by logging into online banking and selecting “Skip a Loan Payment” under the “Accounts” tab or by calling us at 800.991.2221. For payments of $500 or greater, the fee to skip a payment is $50; for payments of less than $500, the fee is $35. When should I submit my skip request? Please submit your skip request at least seven days before your payment is due. Skips will be processed approximately two weeks before your payment due date. How do I know if my skip has … …continue
Have you ever been checking out at the store with your debit card and been given the choice of debit or credit? “Even though your debit card is not a credit card—because it’s connected to your checking account—you can select either,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the first in the Consumers ConnectU November accounts series, to learn the difference between selecting debit and credit.