Credit
Obtaining and using different types of credit is part of almost everyone's financial life. But how you use that credit, and understanding all that is involved with it, can affect almost every aspect of your financial future - your ability to rent or buy a home, the insurance rates you are offered, and even your future employment opportunities.
It is a good idea to learn how to borrow wisely from the beginning and understand how you can make changes to your credit – Bethpage can help you do that.
What Is Credit?
Credit comes in many different forms, and it is important to understand how each works so you can obtain the right type for your needs.
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Credit Cards vs. Debit Cards
When you shop with your debit card, you’re often asked, “debit or credit?” This article will help explain the differences.
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Choosing The Right Credit Card
Why “0% APR” isn't always what it seems.
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Secured Credit Card
This type of card is used to purchase large items, such as a house, car or home appliance.
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Understanding Credit Scores
Your credit score is a numeric summary of the information in your credit report and is formulated to predict the risk you will not repay what you borrowed.
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How to Improve Your Credit Standing
If your score is not as high as you want it to be, don’t worry – you can change it.
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Safeguarding Against Identity Theft
Identity theft occurs when someone uses your personal information to commit fraud or other crimes. Thieves often use the information they steal to get credit cards or other types of credit.
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For Additional Questions
Call our Telephone Service Center
800-628-7070
Monday – Friday: 7:30am – 7pm
Saturday: 8am – 2pm