Credit Cards

Featured Articles

Knowledge is power.

That's true with any topic, but it's especially the case when it comes to credit cards. At KEMBA, we make it our mission to bring you up to speed on all sorts of money matters.
Review these helpful articles to get the most out of credit cards.

Creating a Budget using Your Credit Card

woman online shopping with KEMBA credit card

When you think of budgeting, you think checking account – right?
Well, did you know that you can stretch your budget by paying for your daily expenses and bills with a credit card? Credit cards can help you manage your expenses, build credit and earn cash back or rewards...

6 Tips for Your First Credit Card

smiling young woman

Getting your hands on your very first credit card can be a thrilling experience. However, before you plan everything you want to buy, it’s important to understand how credit cards work, the types of credit cards available to you and how to avoid getting into credit card debt and establishing bad credit...

Decoding Credit Card Rewards

couple looking at laptop in kitchen

Rewards credit cards are popular financial tools that consumers use to pay for expenses while earning benefits like cash back, travel points, retail credits and more. Selecting the right rewards credit card can be a bit challenging due to the amount of options.

Consolidating High Interest Debt

Learn the basics of transferring credit card balances and saving money Not all credit cards are created equal. Terms can vary widely from card to card including annual percentage rates (APRs), annual fees, repayment conditions, and borrowing limits. Once in a while, it’s important to review the terms of your current credit cards, along with…

Credit Card Budgeting

Budgeting with a credit card can be a smart financial move, if done responsibly. Credit cards offer a convenient way to track your expenses, while providing fraud and purchase protection, automated alerts and assist in building credit history. These tips can help you use a credit card to manage your monthly budget effectively and get rewarded for your purchases, too.

Paying Down Credit Cards

Almost everyone has fallen into credit card debt at least once in life. The very nature of credit cards makes it easy for consumers to spend now and pay later, which causes many to fall into debt incredibly fast. When you’re carrying high balance and high-interest credit card debt,…

How to Stay Financially Responsible with Credit Cards

Budgeting with a credit card can be a smart financial move, if done responsibly. These tips can help you use a credit card to manage your monthly budget effectively and get rewarded for your purchases, too.

5 Strategies to Avoid Social Media Overspending

Social media can be a double-edged sword, providing both entertainment and potential financial pitfalls. According to a recent NerdWallet survey, 65% of Americans believe that social media has led to increased overspending. To protect your real-life finances while enjoying your online experience, follow these five tips...

Understanding Your Credit Score

A credit score evaluates how likely you are to pay back your debts on time. Your credit score is incredibly important, yet few consumers know how it works, or what it’s used for. Your credit score will affect your ability to secure credit and determine the interest rates that you will pay on money you borrow...

7 Ways to Get Out of Credit Card Debt

If you are struggling with overwhelming credit card debt, there are options to help you get out of credit card debt. Learn about the 7 ways to get out of credit card debt and get your personal finances back on track.

Healthy Financial Habits

Unfortunately, many consumers in the United States are not well-educated about money and how to effectively manage it. This has led to high-interest credit card and personal loan debt that’s sweeping the nation. To help our members establish a solid financial foundation, we’ve put together a list of some key actions everyone could be taking.

Tips for Reducing Consumer Debt

Whether you are living within your means or have overextended yourself financially, a debt reduction plan is one way to put your income to work, pay less interest and see your balances start to shrink.


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