Featured Articles
Knowledge is power.
That's true with any topic, but it's especially the case when it comes to managing your credit cards effectively. At KEMBA, we make it our mission to keep you informed and confident about your personal finances.
Review these helpful articles to get the most out of your credit cards, maximize rewards, manage balances and more.
Creating a Budget using Your 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...
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
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...
Tips for Maximizing Credit Card Rewards
Rewards credit cards are great tools that you can use to improve your personal finances when used responsibly. View these tips to maximize your credit card rewards, from selecting the right card for your lifestyle to redeeming rewards points.
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.