This review is for the Achieva Credit Union Visa Gold Credit Card. However, the Achieva Credit Union Visa Gold Credit Card is no longer offered by Achieva, as the only cards available are the Visa Platinum and Visa Emerald Rewards cards.
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Your Credit Score and How it Affects your Credit Cards
One of the main components that credit card companies look at when determining whether you are worthy to receive a credit card is your credit score. Your credit score is a number between 350 and 850 that gives a snapshot of your credit worthiness. The higher your score, the better your chance to get a credit card, a low interest rate on a loan, or even a job.
Ways to Keep your Credit Score High
There are several different things you can do to make sure your credit score stays high. Steps you can take to maintain a good credit score are:
- Pay your bills on time
- Don’t max out your credit cards
- Do not apply for credit multiple times
- Limit the amount of unsecured credit you carry
It is a lot easier to maintain a good credit score than to build one back up after it has fallen. There are several steps that you can take to make sure your credit score stays strong. Suze Orman offers helpful tips to rebuild your credit.
Comparing Different Credit Cards
When looking at different credit cards, be sure to compare all the different aspects of the cards. If you pay your balance off each month, look for a card with no annual fee. If you carry a balance, look for cards that have a low annual percentage rate to minimize interest charges.
Some credit card companies offer promotional rates when you open the card, such as 0% for six or twelve months. After this period is over, the card then reverts to the standard rate.
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