Credit cards are a great way to handle those unexpected expenses that life may throw your way. Whether your car needs repairs or you have some surprise medical expenses, a credit card from HTFFFCU will be here just in case you need it. We have several to choose from to meet your needs.

Click here to apply for a credit card!

Classic MasterCard and VISA
                        Limit:                $500 - $20,000
         
Gold MasterCard and Platinum VISA
                        Limit:                $5,000 - $20,000

When you use your HTFFFCU Credit Card you'll enjoy:

• A Low Annual Percentage Rate
• 25-Day Grace Period on Purchases
• No Annual Fees
• No Hidden Charges
• Low Minimum Payment
• Convenience of Cash Advances through ATMs Worldwide
• Balance Transfer Opportunity
• 24 Hour access to account information at ezcardinfo.com
  
  Express shipping is available for your credit cards. Contact Card Service for fees or additional information.
  

Six Rules for Managing Credit Card Debt

If you want to be the master of your credit card debt, follow these key rules:

1. Take inventory. How many credit cards do you have? What's the balance and minimum monthly payment on each? What's the total balance? If it's more than you thought or can afford, it's time to pare down.

2. Check out the cost of your credit cards. What's the interest rate on each card? What's the annual fee? Does your card offer a grace period? If the card doesn't have a grace period, or if you carry over a balance, or take a cash advance, you're usually charged interest right away.

3. Get one low-fee or lower-interest card and use it wisely. Make HTFFFCU your first stop when starting your search. Check to see how to transfer existing debt from your various credit cards to your new lower-interest credit card.

4. Make the largest monthly payment you can afford. Even though you may not be able to pay your balance in full, paying the monthly minimum may do little more than cover the accrued interest.

5. Watch out for "teaser rates." Your mailbox may be brimming with unsolicited credit card offers that promise attractive low-interest rates. But if you read the fine print, you'll see that after six months or so the issuer may double the low introductory rate.

6. If you get in over your head, don't bury it in the sand. If you're having trouble making your monthly payments, contact your creditors before they contact you. If you're already screening calls from bill collectors, or refusing to open your mail, you need help. Contact HTFFFCU or call the Consumer Credit Counseling Service at 800-873-2227, a nonprofit organization offering financial counseling, debt management, or educational services to consumers.

Copyright 2002 Credit Union National Association Inc. Information subject to change without notice. All other rights reserved.

Click here to apply for a credit card!