{"id":5395,"date":"2021-05-19T17:55:14","date_gmt":"2021-05-19T17:55:14","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=5395"},"modified":"2021-05-19T17:55:14","modified_gmt":"2021-05-19T17:55:14","slug":"forget-about-a-bank-in-harlingen-choose-vfcu-to-build-good-credit-after-graduating","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/forget-about-a-bank-in-harlingen-choose-vfcu-to-build-good-credit-after-graduating\/","title":{"rendered":"Forget About a Bank in Harlingen! Choose VFCU to Build Good Credit After Graduating!"},"content":{"rendered":"<p class=\"p1\">Are you about to graduate? If so, then making the transition to living on your own and being financially responsible requires long-term, smart choices. Building your credit is the first step to securing a healthy financial standing where applying for loans or credit cards in the future will come into play. Learn more about how to do this below.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-5397\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/2-credit-cards-Harlingen.jpg\" alt=\"How Does a Credit Score Work?\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/2-credit-cards-Harlingen.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/05\/2-credit-cards-Harlingen-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p3\">How Does a Credit Score Work?<\/h2>\n<p class=\"p4\">If you aren\u2019t aware of how credit scores work, then don\u2019t worry. It can be a bit of a tough subject to learn. Credit scores range between 300 and 850 points and are tracked by Equifax, Experian, and TransUnion. According to Equifax, a good credit score is 670 and above. Credit is determined by how much debt you owe, your repayment history, and the number of financial accounts you have.<\/p>\n<p class=\"p5\">Your score is checked by:<\/p>\n<ul class=\"ul1\">\n<li class=\"li5\">Banks and credit unions<\/li>\n<li class=\"li5\">Landlords<\/li>\n<li class=\"li5\">Insurance companies<\/li>\n<li class=\"li5\">Car dealerships<\/li>\n<li class=\"li5\">And more<\/li>\n<\/ul>\n<p class=\"p5\">You can review your credit score when you sign up as a member of VFCU through our\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\"><span class=\"s2\">Mobile Money App<\/span><\/a>\u00a0and complete your credit profile.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-5398\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/3-Banking-Harlingen.jpg\" alt=\"Apply for a Credit Card with Us!\" width=\"600\" height=\"399\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/3-Banking-Harlingen.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/05\/3-Banking-Harlingen-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p3\">Apply for a Credit Card with Us!<\/h2>\n<p class=\"p4\">You can build your credit by paying off debts, such as a\u00a0<a href=\"https:\/\/www.vfcu.net\/cards\/credit-cards\/\"><span class=\"s2\">credit card balance<\/span><\/a>. If you don\u2019t have a credit card, our Harlingen credit union currently offers:<\/p>\n<ul class=\"ul1\">\n<li class=\"li5\">The Platinum Card starting at 9.95% APR interest<\/li>\n<li class=\"li5\">The Gold Card starting at 12.95% APR interest<\/li>\n<li class=\"li5\">The Classic Card starting at 17.95% APR interest<\/li>\n<\/ul>\n<p class=\"p6\"><span class=\"s3\"><a href=\"https:\/\/www.financial-net.com\/valleyfcu\/lending\/InternetLoans\" target=\"_blank\" rel=\"noopener\">Apply for our credit card online<\/a><\/span><span class=\"s4\">!\u00a0\u00a0<\/span><\/p>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-5399\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/4-Banks-Harlingen.jpg\" alt=\"Make Smart Purchases\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2021\/05\/4-Banks-Harlingen.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2021\/05\/4-Banks-Harlingen-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p3\">Make Smart Purchases<\/h2>\n<p class=\"p1\">Compared to <span class=\"s5\">Harlingen banks, at our credit union, <\/span>you can enjoy fixed rates and no annual fees with our credit cards. As a member, you also get access to many money-saving services like\u00a0<a href=\"https:\/\/www.vfcu.net\/member-benefits\/money-concepts\/\"><span class=\"s2\">Money Concepts Financial Planning<\/span><\/a>\u00a0and a\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/star-checking-account\/\"><span class=\"s2\">STAR Checking Account<\/span><\/a>!<\/p>\n<h2 class=\"p3\">Become a Member Today!<\/h2>\n<p class=\"p1\">For any questions about our services or to learn more about becoming a member of our <span class=\"s5\">local federal credit union in Harlingen<\/span>, call (956) 546-3108.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you about to graduate? If so, then making the transition to living on your own and being financially responsible requires long-term, smart choices. Building your credit is the first step to securing a healthy financial standing where applying for loans or credit cards in the future will come into play. Learn more about how [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5396,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[],"class_list":["post-5395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=5395"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/5395\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/5396"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=5395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=5395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=5395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}