--- title: Hanscom FCU MoneyWisdom Blog | Credit Cards description: Credit Cards | Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement. --- [![MoneyWisdom_HFCU_r2](https://go.hfcu.org/hs-fs/hubfs/MoneyWisdom_HFCU_r2.png?width=464&name=MoneyWisdom_HFCU_r2.png "MoneyWisdom_HFCU_r2")](https://go.hfcu.org/blog) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) ![woman on steps](https://go.hfcu.org/hubfs/woman%20on%20steps.png) ## Crush Lifestyle Creep ### Protect your financial future [Learn more](https://go.hfcu.org/blog/avoid-lifestyle-creep) ![romantic couple sitting on park bench looking at each other](https://go.hfcu.org/hubfs/older%20couple%20in%20love%20blog%20banner.png) ## Romance Scams ### Are you vulnerable to the latest ones? [Learn More](https://go.hfcu.org/blog/how-to-avoid-a-romance-scam) ![man and woman in new home celebrating with champagne](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px.png) ## Celebrate the Move! ### Our No-Money-Down Mortgage can help [Read more here](https://go.hfcu.org/blog/introducing-hanscom-fcus-no-money-down-mortgage) ![restaurant owners](https://go.hfcu.org/hubfs/restaurant%20owners.jpg) ## Reach Your Goals ### A business loan can help get you there [Read more](https://go.hfcu.org/blog/bid/156108/what-is-the-best-way-to-get-a-small-business-loan) ![blond woman walking with tablet and coffee cup in hand](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px%20(20).jpg) ## Share Certificates ### Earn a better rate on your savings [Learn More](https://go.hfcu.org/blog/share-certificate) ### Posts by Topic - [Personal Finance (262)](https://go.hfcu.org/blog/topic/personal-finance) - [Home (164)](https://go.hfcu.org/blog/topic/home) - [Life Changes (109)](https://go.hfcu.org/blog/topic/life-changes) - [Credit Cards (92)](https://go.hfcu.org/blog/topic/credit-cards) - [Security (74)](https://go.hfcu.org/blog/topic/security) - [Credit Score (69)](https://go.hfcu.org/blog/topic/credit-score) - [Auto (60)](https://go.hfcu.org/blog/topic/auto) - [Checking (54)](https://go.hfcu.org/blog/topic/checking) - [Business (48)](https://go.hfcu.org/blog/topic/business) - [Investments (36)](https://go.hfcu.org/blog/topic/investments) - [Mortgage (32)](https://go.hfcu.org/blog/topic/mortgage) - [Savings (29)](https://go.hfcu.org/blog/topic/savings) - [Scams (29)](https://go.hfcu.org/blog/topic/scams) - [Work (28)](https://go.hfcu.org/blog/topic/work) - [Debt (25)](https://go.hfcu.org/blog/topic/debt) - [Holidays (25)](https://go.hfcu.org/blog/topic/holidays) - [Money Management (22)](https://go.hfcu.org/blog/topic/money-management) - [Hanscom FCU (21)](https://go.hfcu.org/blog/topic/hanscom-fcu) - [Home Ownership (21)](https://go.hfcu.org/blog/topic/home-ownership) - [Credit Report (20)](https://go.hfcu.org/blog/topic/credit-report) - [Government (20)](https://go.hfcu.org/blog/topic/government) - [Home Equity (18)](https://go.hfcu.org/blog/topic/home-equity) - [Budget (17)](https://go.hfcu.org/blog/topic/budget) - [Mobile Banking (17)](https://go.hfcu.org/blog/topic/mobile-banking) - [Investment Property (16)](https://go.hfcu.org/blog/topic/investment-property) - [Saving Money (16)](https://go.hfcu.org/blog/topic/saving-money) - [Insurance (15)](https://go.hfcu.org/blog/topic/insurance) - [Taxes (15)](https://go.hfcu.org/blog/topic/taxes) - [Children (13)](https://go.hfcu.org/blog/topic/children) - [College (11)](https://go.hfcu.org/blog/topic/college) - [Financial Wellness (11)](https://go.hfcu.org/blog/topic/financial-wellness) - [Retirement (11)](https://go.hfcu.org/blog/topic/retirement) - [Community (10)](https://go.hfcu.org/blog/topic/community) - [Online Banking (10)](https://go.hfcu.org/blog/topic/online-banking) - [Estate Planning (8)](https://go.hfcu.org/blog/topic/estate-planning) - [COVID (7)](https://go.hfcu.org/blog/topic/covid) - [Deals (7)](https://go.hfcu.org/blog/topic/deals) - [Death (7)](https://go.hfcu.org/blog/topic/death) - [Shopping (7)](https://go.hfcu.org/blog/topic/shopping) - [Fraud (6)](https://go.hfcu.org/blog/topic/fraud) - [Mass Save (6)](https://go.hfcu.org/blog/topic/mass-save) - [Teens (6)](https://go.hfcu.org/blog/topic/teens) - [Divorce (5)](https://go.hfcu.org/blog/topic/divorce) - [Travel (5)](https://go.hfcu.org/blog/topic/travel) - [ATM (4)](https://go.hfcu.org/blog/topic/atm) - [Baby (4)](https://go.hfcu.org/blog/topic/baby) - [Debit Cards (3)](https://go.hfcu.org/blog/topic/debit-cards) - [Motorcycles (3)](https://go.hfcu.org/blog/topic/motorcycles) - [Weddings (3)](https://go.hfcu.org/blog/topic/weddings) - [Boats (2)](https://go.hfcu.org/blog/topic/boats) - [Charity (2)](https://go.hfcu.org/blog/topic/charity) - [Family Finance (2)](https://go.hfcu.org/blog/topic/family-finance) - [Lending (2)](https://go.hfcu.org/blog/topic/lending) - [Credit Unions (1)](https://go.hfcu.org/blog/topic/credit-unions) - [Green (1)](https://go.hfcu.org/blog/topic/green) - [Medical (1)](https://go.hfcu.org/blog/topic/medical) - [Pets (1)](https://go.hfcu.org/blog/topic/pets) - [dormant account (1)](https://go.hfcu.org/blog/topic/dormant-account) - [inactive account (1)](https://go.hfcu.org/blog/topic/inactive-account) - [Read More ** 01 Feb ![](https://go.hfcu.org/hubfs/young%20woman%20paying%20bills%20on%20couch-1.png) ](https://go.hfcu.org/blog/the-benefits-of-setting-up-direct-deposits) [The Benefits of Setting Up Direct Deposits [Receiving your first paycheck at your first job is a rite of passage into adulthood.](https://go.hfcu.org/blog/an-important-step-on-the-path-to-adulthood-your-first-checking-account) It feels good to look at that piece of paper and know that you earned the income it represents. Your hard work.. ](https://go.hfcu.org/blog/the-benefits-of-setting-up-direct-deposits) ** Credit Cards Checking ** Hanscom Federal Credit Union - [Read More ** 01 Jun ![two women looking at smartphone at cafe](https://go.hfcu.org/hubfs/two%20women%20at%20cafe%20on%20vacation.png) Traveling this summer? 9 credit card tips to know Do you remember when your folks insisted on knowing where you were going, who you’d be with, and when you’d be back when you were a teen? It wasn't very pleasant then, but as an adult, you probably.. ** Credit Cards Personal Finance ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/traveling-this-summer-9-credit-card-tips-to-know) - [Read More ** 13 Feb ![woman holding smartphone with buy now pay later on screen](https://go.hfcu.org/hubfs/buy%20now%20pay%20later%20in%20store.png) What You Need to Know About Buy Now, Pay Later Financing When you’re checking out at your favorite online retailer, you notice one of the payment options includes a way you can pay for your purchase in four interest-free installments. Which, for many.. ** Credit Cards Debt Shopping ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/what-you-need-to-know-about-buy-now-pay-later-financing) - [Read More ** 08 Feb ![father paying bills with baby on desk in front of laptop](https://go.hfcu.org/hubfs/father%20with%20baby%20paying%20bills.png) 6 Costly Mistakes You're Making With Your Bills We're guessing that paying your bills isn't high on your list of favorite tasks. However, rushing through it or putting bills off can cost you — big! ** Credit Cards Online Banking ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/6-costly-mistakes-you-can-make-with-your-bills) - [Read More ** 12 Jan ![Three women excitedly shop in a store. Two are holding clothes on hangers, and one of them is holding up a store credit card. ](https://go.hfcu.org/hubfs/6%20Reasons%20Store%20Credit%20Cards%20Can%20Cost%20You%20Money.png) 6 Reasons Store Credit Cards Can Cost You Money You hear it every time you step up to the counter to pay: “Would you like to save an extra 20% on your purchases when you open up a credit card with us today?” I feel a little foolish declining any.. ** Credit Cards Credit Score Shopping ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/6-reasons-store-credit-cards-can-cost-you-money) - [Read More ** 10 Jan ![Two young Black children sit on the floor of their playroom and play games together on the family tablet. ](https://go.hfcu.org/hubfs/Protect%20yourself%20from%20kids%E2%80%99%20in-app%20purchases.png) ](https://go.hfcu.org/blog/protect-yourself-from-kids-in-app-purchases) [Protect Yourself From Kids’ In-App Purchases You’ve probably read about it – [children spending hundreds or thousands](https://www.forbes.com/advisor/credit-cards/real-money-for-virtual-gems-what-to-do-when-kids-overspend-on-apps/) on their parents’ credit cards. But how does it happen? How does the parent not notice their kid charging *that much* on their.. ](https://go.hfcu.org/blog/protect-yourself-from-kids-in-app-purchases) ** Security Credit Cards Children Family Finance ** Monica Parks - [Read More ** 13 Dec ![a group of young friends gathered around a table laughing and celebrating the holidays](https://go.hfcu.org/hubfs/Christmas%20party.png) 10 Tips for Smart Holiday Credit Card Use You could be skating on thin ice if you’re not mindful of holiday credit card spending. Splurging could cause you to fall through the ice into unmanageable debt— chilling indeed! Keep your head above.. ** Credit Cards Holidays ** Tracy Scott ](https://go.hfcu.org/blog/holiday-credit-card-spending) - [Read More ** 28 Sep ![A close up aerial view of a tan person's hands holding a credit card, reading the numbers, while using a laptop.](https://go.hfcu.org/hubfs/Cut%20The%20Cost%20Of%20Debt%20With%20A%20Balance%20Transfer.png) Cut the Cost of Debt with a Balance Transfer There is no magic wand to poof away debt. But you can save money and pay what you owe faster by managing your credit card balances thoughtfully. Start with a close look at your finances, and follow.. ** Credit Cards ** MoneyWisdom Newsletter ](https://go.hfcu.org/blog/cut-cost-of-debt-balance-transfer) - [Read More ** 27 Sep ![A Black college student holds up her credit card to make a purchase on her laptop. ](https://go.hfcu.org/hubfs/Should%20I%20Send%20My%20Teen%20To%20College%20With%20A%20Credit%20Card.png) Should I Send My Teen To College With a Credit Card? My daughter is a college student and she has a credit card. She didn’t use it to buy plane tickets or expensive electronic gadgets, just gas, groceries, and a few drugstore items. But it all added.. ** Credit Cards Life Changes College ** Bill Burpeau ](https://go.hfcu.org/blog/bid/185097/college-students-and-credit-cards) - [Read More ** 26 Aug ![A young businesswoman uses a tablet outside of an office building in a city. ](https://go.hfcu.org/hubfs/How%20to%20Access%20Your%20Credit%20Reports%20and%20Scores.png) How to Access Your Credit Reports and Scores Knowing how to get your credit reports and credit scores can be very confusing. There are many different options out there. First and foremost, there are a few key things to remember: ** Credit Cards Credit Score ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/how-to-access-your-credit-reports-and-scores) [**](https://go.hfcu.org/blog/topic/credit-cards#) [1](https://go.hfcu.org/blog/topic/credit-cards/page/1) [2](https://go.hfcu.org/blog/topic/credit-cards/page/2) [3](https://go.hfcu.org/blog/topic/credit-cards/page/3) [4](https://go.hfcu.org/blog/topic/credit-cards/page/4) [5](https://go.hfcu.org/blog/topic/credit-cards/page/5) [...](https://go.hfcu.org/blog/topic/credit-cards/page/6) [10](https://go.hfcu.org/blog/topic/credit-cards/page/10) [**](https://go.hfcu.org/blog/topic/credit-cards/page/2) ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. 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Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://X.com/HanscomFCU The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.instagram.com/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.linkedin.com/company/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### http://www.youtube.com/c/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Popular Posts [What You Need to Know About Putting Your Home in a Trust](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) [What You Need to Know About Your Federal Tax Bracket](https://go.hfcu.org/blog/what-you-need-to-know-about-your-tax-bracket) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-22T123305.900.jpg) [6 Boat Types to Get on the Water](https://go.hfcu.org/blog/6-boat-types-to-get-on-the-water) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/Jet_Ski.jpg) [Here's The Difference Between An Heir And A Beneficiary](https://go.hfcu.org/blog/whats-the-difference-between-an-heir-and-a-beneficiary) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/grandparents%20on%20beach.png) [23 Organizations Dedicated to the Needs of Seniors](https://go.hfcu.org/blog/23-organizations-dedicated-to-the-needs-of-seniors) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Senior%20citizens.jpg) ### Recent Posts - [![National Credit Union Administration](https://go.hfcu.org/hs-fs/hubfs/NCUA-logo-small.png?width=95&name=NCUA-logo-small.png) ](https://www.ncua.gov/) [![Equal Housing Lender](https://go.hfcu.org/hs-fs/hubfs/EHL-logo-small.png?width=65&name=EHL-logo-small.png)](https://www.hud.gov/fairhousing) - @ 2023 [Hanscom Federal Credit Union](https://www.hfcu.org/) - Federally insured by the National Credit Union Administration. - [Privacy Policy](https://www.hfcu.org/content/docs/Privacy_Notice.pdf) **Disclosure:** Hanscom Federal Credit Union does not provide and is not responsible for any products, services, or overall website content available at any third-party sites linked within this blog. Moreover, Hanscom Federal Credit Union's privacy policies do not apply to any of the linked websites within this blog. Please consult the privacy disclosures on those linked sites for further information. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Hanscom Federal Credit Union" }, "dateModified" : "August 3, 2023, 2:55:51 PM", "datePublished" : "2022-05-16 18:57:25", "description" : "Credit Cards | Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement.", "headline" : "HFCU Money Wisdom Blog listing page", "image" : { "@type" : "ImageObject", "url" : "" }, "mainEntityOfPage" : { "@id" : "https://go.hfcu.org/blog/topic/credit-cards", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/118438/Logo%202.jpg" }, "name" : "Hanscom Federal Credit Union" } } ```