News & Promotions What's New Current Promotions Newsletters New! Financial Tips Holiday sales can make overspending easy, but using a list keeps costs in check. Write down who you’re shopping for and set limits for each person. Sticking to your list protects your budget & prevents impulse purchases. Temporary budget cuts can free up extra cash for the holidays. Pause unused subscriptions, cook at home more often, or skip smaller luxuries. Redirecting these savings to holiday fun helps avoid high-interest credit cards. Store credit cards may offer quick savings, but their extremely high interest rates can outweigh any discount if you carry a balance. A polite “No, thank you” at checkout protects both your budget & credit score. Buy Now, Pay Later plans seem convenient, but juggling multiple due dates can easily lead to missed payments and costly fees. Use BNPL sparingly and only for purchases that truly warrant spreading payments out. Carrying large amounts of cash during the holidays can attract unwanted attention. Consider safer options, such as your debit or credit card or a mobile wallet. These tools offer better protection if something is lost or stolen. If holiday expenses feel overwhelming, a Holiday Loan can provide structure and lower rates than most credit cards. Fixed payments, clear terms, and responsible borrowing help you enjoy the season without long-term debt. If you need extra income this holiday season, consider temporary boosts, such as working extra hours or overtime, freelancing projects, or selling unused items. These short-term efforts can increase your budget & holiday joy. End the year by reviewing your entire credit report. Correcting errors, such as unfamiliar accounts, incorrect balances, or payment schedules can quickly lift your score and set the stage for better progress in the new year. Paying down credit card balances is one of the fastest ways to improve your credit score. Even small reductions lower your credit utilization, which makes up 30% of your score and has a big impact on future borrowing costs. Automating payments protects your credit score by ensuring you never miss a due date. Even scheduling the minimum due on credit cards creates a safeguard. You can always make extra payments when your budget allows.