Jo from Jovia: Maintaining Good Credit
Keep that credit score climbing!
Your credit score is more than just a number, it’s like your financial reputation. Whether you’re applying for a loan, getting a credit card or even renting an apartment, your score tells lenders how responsible you are with money. Not sure where to start?
Watch the video below to learn more about how you can maintain and increase your score through healthy financial decisions.
Watch the video below to learn more about how you can maintain and increase your score through healthy financial decisions.
Want a refresher on how credit works?
Check out Jo’s "Your Credit" video to understand your credit.
It’s a great intro to what credit is, how it’s scored, and why it matters so much for your future.
Play episode
Want to go deeper? Read these next:
What is Credit Card Interest and How Does it Affect Me?
Getting your first credit card is super-exciting. Hello, independence! Unfortunately, many first-time credit card owners don’t know enough about credit card interest. And then it’s hello, long-term debt. We don’t want this to be you! So, we put together a quick guide on what you need to know about credit card interest and how it works:
The Benefits of Using a Credit Card
Whether you’re just starting to build credit, looking to improve your credit score, or just overall interested in learning about the benefits that a credit card offers, this article may help answer those questions.
Credit Card Tips for Beginners
Using your credit cards responsibly is a great way to boost your credit score and improve financial wellness. Let's review the best habits when it comes to using your credit card.
Feeling confident and comfortable with your credit?
Find the right card!
Jovia’s Credit Boost Secured
Visa® Advantage Card1
A great card for those just starting out and looking to establish or improve credit.
Jovia’s Low-Rate
Visa® Advantage Card2
This is the perfect card if you’re looking to build credit or consolidate debt at a high rate.
Jovia’s Rewards
Visa® Signature Elite Card3
For those looking to earn rewards for paying their balances off each month, earn points and rewards for everyday card use.
You’ve got this!
With tools, tips, and a little coaching from Jo, managing your credit can be exciting, not stressful.
Let’s build your future, one smart move at a time.
1 The Credit Boost Visa® Advantage Card is a Secured credit card. Minimum opening balance is $500. 105% of the approved credit limit must be secured in the member’s share account at time of card opening. An annual review will be conducted twelve (12) months after card opening. If said review qualifies the member for an unsecured card, they will be eligible to graduate to an unsecured Visa Advantage unless they choose to opt out. If the member does not opt-out conversion will be automatic, and the secured funds will be released. Refer to Credit Boost Visa Advantage Card Terms and Conditions for account details. Transaction fees include 3% of the transaction amount for cash advances.
2 APR = Annual Percentage Rate. Promotional rate of 2.99% APR is valid for 12 months on purchases and balances transfers made within the first 60 days from account opening. Promotional period will begin the date the account is opened, and will end 60 days after account opening. Balance transfers must post to your card by the end of the promotional period. After the 60th calendar day, the cardholder's APR will default to the cards non-promotional APR ranging from 12.24% - 17.99% for purchases and balance transfers. Use of your card for purchases and balance transfers constitutes your agreement to the stated terms, as well as your account terms as a Visa® cardholder. Offers do not apply to Business Cards. Existing Jovia Financial Credit Union Cardholders are not eligible, existing cardholder purchases and balance transfers are subject to the standard account rate. Not all applicants may be approved. Refer to Visa Advantage Terms and Conditions for account details. Transactions fees for Visa® Advantage include 3% of the transaction amount for cash advances. New Cardholders only. Rates and terms are subject to change without notice.
3 APR = Annual Percentage Rate. Rates are based on an applicant's credit history. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Rates range from 15.24% - 17.99% APR. The rate and credit line you are issued is based on your credit history. Not all applicants may be approved. Subject to the Visa Signature Elite Terms and Conditions. Please refer to the Visa Signature Elite Benefits for the full details of your benefits program. Approved applicants with a credit limit of less than $5,000 will receive a Visa Advantage card. Transaction Fees for Visa Signature Elite include 2% of the transaction amount for cash advances. No reward points will be earned for cash advances, including balance transfers and convenience checks.