As we continue to balance our role as an essential service provider with the health of our employees and members, the ability to staff all of our branches is sometimes impacted. Our Milpitas, Palo Alto, San Francisco, and Sunnyvale branches will be temporarily closed effective December 2nd. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience.
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Credit cards can be exciting, tempting and intimidating. Here are some ideas to keep in mind.
The credit card companies make money by charging interest on long-term balances. Often the rates they charge are relatively high.
Choose a card that fits how you are going to use it. Probably for a first time user, find a card that has low (or no) annual fees and low interest rates. If you are not going to use it much, the benefits (airline miles or gifts) will not compensate for the fees usually found with these types of cards.
Having a good credit record is important. Those with good records usually find that getting credit is easier and they often qualify for lower rates on their borrowing.
Investigate the details of the card thoroughly. Be sure to understand all the fees and how interest charges are calculated.